Bank of America's SWIFT code is BOFAUS3N, and you'll need it when someone outside the US sends you money or when you send funds abroad

A SWIFT code is an 8 or 11-character identifier that banks use to route international wire transfers. Bank of America's code is BOFAUS3N. The first four letters identify the bank (BOFA = Bank of America), the next two are the country code (US), and the last characters pinpoint the location or branch routing.

You need this code when receiving a wire from outside the United States or when your bank asks for it during an outgoing international transfer. It works alongside your account number and routing number to make sure the money reaches the right place. Different banks have different SWIFT codes, and some large banks like Bank of America have multiple codes for different divisions or regions — but BOFAUS3N is the primary one for most customer accounts.

Key Takeaways

  • Bank of America's SWIFT code is BOFAUS3N, used for incoming and outgoing international wire transfers.
  • You will need this code when receiving money from abroad or when your bank requests it for sending money internationally.
  • SWIFT codes are different from routing numbers; routing numbers are for domestic US transfers only.
  • Always confirm the exact code with Bank of America or the sending bank before a transfer, because using the wrong code can delay or misdirect funds.

When you need Bank of America's SWIFT code

You need the SWIFT code when someone outside the US is sending you money through their bank. The sender's bank will ask for it as part of the wire transfer instructions. You provide it along with your Bank of America account number and your name so the receiving bank can identify your account correctly.

You also need it when you are sending money internationally from your Bank of America account and the receiving bank is outside the US. Your Bank of America representative will ask for the recipient's bank's SWIFT code, not yours — but understanding how SWIFT codes work helps you communicate clearly with both banks.

How SWIFT codes differ from routing numbers

A routing number is a nine-digit code used only for domestic US transfers between American banks. A SWIFT code is used for international transfers and works with banks worldwide. Bank of America has a routing number (typically 026009593 for many accounts, though it varies by region and account type) and a SWIFT code (BOFAUS3N).

When you receive a domestic wire from another US bank, you provide your routing number and account number. When you receive a wire from a bank in another country, you provide your SWIFT code and account number. The two systems do not overlap — using a routing number for an international transfer will not work.

What information to give when receiving an international wire

When someone abroad is sending you money, give them this information in writing:

  • Bank name: Bank of America
  • SWIFT code: BOFAUS3N
  • Your full account number
  • Your full name as it appears on the account
  • The amount and currency being sent

Some sending banks also ask for the receiving bank's address. Bank of America's main address is 100 North Tryon Street, Charlotte, North Carolina 28255. However, confirm the exact address with your Bank of America branch, because some international transfers route through specific processing centers.

Do not give out your PIN, password, or Social Security number. A legitimate wire transfer needs only the information listed above. If the sender's bank asks for anything beyond that, contact Bank of America directly before proceeding.

How long international transfers take with Bank of America

An incoming international wire typically arrives within one to three business days after the sending bank initiates it. The exact timing depends on the sending bank's processing speed, any intermediate banks involved, and whether the transfer happens during a business day or weekend.

Bank of America usually posts the funds to your account on the same day they receive them, but the sending bank may take longer to release the money on their end. If you are expecting a wire, ask the sender to initiate it early in the week and during business hours to reduce delays. If a wire does not arrive within five business days, contact Bank of America's international wire department to trace it.

Fees and exchange rates for international wires

Bank of America charges a fee for receiving international wires, typically between $15 and $20, though this varies by account type and the sending bank's location. Some accounts waive incoming wire fees. The sending bank may also charge a fee on their end.

If the wire arrives in a foreign currency, Bank of America will convert it to US dollars using their exchange rate at the time of conversion. This rate is usually not the same as the mid-market rate you see online — banks add a margin. Ask Bank of America what their exchange rate will be before the wire arrives, if possible, so you know how much you will receive in dollars.

What to do if a wire does not arrive or goes to the wrong account

If you provided the correct SWIFT code and account number but the money did not arrive after five business days, contact Bank of America's wire transfer department immediately. Have the sender's name, the amount, the date sent, and any reference number the sender received ready.

Bank of America can trace the wire through the international banking system and determine where it is. If it went to the wrong account, the bank can work with the sending bank and the receiving bank to recover it, though this process can take weeks. If the sending bank made an error, they are responsible for correcting it — Bank of America can help coordinate but cannot force another bank to act.

If you sent money and it went to the wrong place, the process is similar but more difficult. International wires are generally irreversible once sent. Contact Bank of America immediately and provide all details of the transfer. They will attempt to recall it, but success depends on whether the receiving bank will cooperate and whether the funds have already been withdrawn.

Frequently Asked Questions

Is BOFAUS3N the SWIFT code for all Bank of America accounts?

BOFAUS3N is the primary SWIFT code for most Bank of America customer accounts in the US. Some business accounts or specific divisions may have different codes. If you are unsure, call your Bank of America branch or check your account statements — the correct SWIFT code is often listed there.

Can I look up someone else's SWIFT code if I do not know it?

Yes. You can search for a bank's SWIFT code on the SWIFT website (swift.com) or ask the person receiving the money to provide it. Their bank can also tell them their SWIFT code. Never guess or use a code you are not certain about, because the wire may go to the wrong bank or account.

What happens if I give the wrong SWIFT code?

If the code is wrong, the sending bank may reject the transfer and return the money to the sender, or the wire may go to a different bank. Either way, the money will not reach your Bank of America account. Always double-check the code with the sender's bank before the transfer is sent.

Do I need a SWIFT code to send money from Bank of America to another US bank?

No. For domestic US transfers, use the receiving bank's routing number instead. SWIFT codes are only for international transfers. If you are sending money to another country, you will need the recipient's bank's SWIFT code.

Can Bank of America reverse an international wire I sent by mistake?

International wires are generally irreversible once the sending bank releases them. Contact Bank of America immediately and ask them to attempt a recall, but do not expect success. The receiving bank is under no obligation to return the funds. This is why it is critical to verify all details before sending an international wire.