Chase does not issue IBANs for domestic U.S. accounts

Chase Bank accounts in the United States do not have an IBAN (International Bank Account Number). IBANs are used primarily in Europe, the Middle East, Africa, and some other regions outside North America. If you hold a standard Chase checking or savings account in the U.S., you will not find an IBAN associated with it.

For wire transfers out of the United States, Chase uses a different system: your routing number and account number. These two pieces of information, along with your name and address, are what foreign banks need to receive money from your Chase account. If someone is asking you for an IBAN to send you money to a Chase account, they may be confused about which country your account is in, or they may be trying to send money through a system that does not work with U.S. banks.

Key Takeaways

  • U.S. Chase Bank accounts do not have IBANs; they use routing numbers and account numbers instead.
  • If you need to receive an international wire transfer to Chase, provide the sender with your routing number, account number, and full name and address.
  • If you have a Chase account outside the United States, that account may have an IBAN; contact your local Chase branch to confirm.
  • Confusion about IBANs often happens because the sender is in a country where IBANs are standard, but your account is in the U.S.

What information to give a foreign sender instead

When someone outside the U.S. needs to send you money to your Chase account, they will need four pieces of information: your Chase routing number, your account number, your full name, and your address. The routing number tells the foreign bank which U.S. bank to send the money to. The account number tells Chase which account within the bank should receive it.

You can find both numbers on the bottom left of any check you have from that account. The routing number is the first set of nine digits; the account number follows. You can also log into Chase online or call Chase customer service at 1-800-935-9935 to ask for these numbers. Write them down clearly and share them with the sender exactly as they appear.

When a Chase account does have an IBAN

If you have a Chase account in a country outside the United States — for example, Chase UK or Chase in another European country — that account will have an IBAN. Each country has its own IBAN format. A Chase account in the United Kingdom, for instance, will have a UK IBAN that starts with "GB".

If you are unsure whether your Chase account is a U.S. account or an account in another country, check the address on your account statement or the country listed in your online banking profile. You can also contact the Chase branch where you opened the account. If your account is outside the U.S., ask them directly for your IBAN; they will provide it.

Why the confusion happens

IBANs are the standard way to identify bank accounts in most of the world. Someone sending you money from Europe, Asia, or Africa will be used to asking for an IBAN because every bank account in their country has one. When they try to send money to a U.S. bank, they may assume the U.S. system works the same way and ask for an IBAN anyway.

The U.S. banking system developed differently and still uses routing numbers instead. This is one reason international wire transfers to the U.S. sometimes take longer or require extra steps — the sender's bank has to convert the information into a format their system understands. Explaining this to the sender, and giving them your routing and account numbers, usually resolves the confusion quickly.

How to send money out of Chase to an international IBAN

If you are the one sending money from your Chase account to someone with an IBAN abroad, you can do this through Chase's wire transfer service. Log into your Chase account online, go to the wire transfer section, and select "International Wire Transfer." Chase will ask you for the recipient's IBAN, their bank name, and their full name and address.

Chase will also ask for the recipient's bank's SWIFT code, which is a separate identifier that tells Chase which bank to send the money to. The SWIFT code is usually eight or eleven characters. The recipient should be able to provide both their IBAN and SWIFT code; if they cannot, their bank can give them this information. Wire transfer fees and exchange rates vary, so check Chase's current rates before you send.

Frequently Asked Questions

Can I get an IBAN for my U.S. Chase account?

No. U.S. bank accounts do not use IBANs. If you need to receive money from abroad, give the sender your routing number and account number instead. These work with the international wire transfer system just as well as an IBAN does.

What if the sender says they cannot send money without an IBAN?

Their bank may not support wire transfers to the U.S., or they may be using a money transfer service that only works with IBAN-based accounts. Ask them to contact their bank directly and explain they are sending money to a U.S. account. The bank can advise them on the correct process and what information they need from you.

Is a SWIFT code the same as an IBAN?

No. A SWIFT code identifies the bank; an IBAN identifies the specific account within that bank. If you are sending money internationally from Chase, you will need both the recipient's IBAN and their bank's SWIFT code.

How long does an international wire transfer to Chase take?

Most international wire transfers to a U.S. Chase account arrive within one to three business days, though it can take longer depending on the sender's bank and whether any intermediate banks are involved. Chase does not control the speed on the receiving end; it depends on the sending bank's process.