Chase does not issue IBANs because it is a U.S. bank

Chase Bank does not provide International Bank Account Numbers (IBANs) because IBANs are used only outside the United States. If someone asks you for a Chase IBAN, they are either mistaken about where the money is going or they are asking for the wrong piece of information.

The United States has its own system for domestic transfers: the routing number and account number. If you are sending money to or from a Chase account within the U.S., you will use those two numbers, not an IBAN. If you are receiving money from outside the U.S. into a Chase account, you will need your SWIFT code instead.

Key Takeaways

  • Chase does not issue IBANs; IBANs exist only for banks outside the United States.
  • For wire transfers into a Chase account from abroad, you need the bank's SWIFT code, not an IBAN.
  • Chase's SWIFT code is CHASUS33 for most U.S. transfers, though some branches have different codes.
  • For domestic U.S. transfers, use your Chase routing number and account number instead of SWIFT or IBAN.
  • Your bank branch location and the type of transfer determine which code or number you actually need.

Chase SWIFT codes and what they mean

A SWIFT code is an eight- or eleven-character code that identifies a specific bank and branch for international transfers. Chase's primary SWIFT code is CHASUS33, which routes to Chase's main processing center in the United States. This code works for most incoming international wire transfers to a Chase account.

Some Chase branches have their own SWIFT codes. If your branch is in New York, for example, the code might be different from a branch in California. The safest approach is to call your local Chase branch or log into your Chase online account and look for the wire transfer instructions page, which will list the correct code for your specific branch.

The first four letters of a SWIFT code identify the bank (CHAS = Chase). The next two letters identify the country (US = United States). The last two or three characters identify the branch or processing center. When someone outside the U.S. is sending you money, they will enter this code into their bank's system to route the transfer correctly.

When you need SWIFT versus routing number

Use your SWIFT code when money is coming from a bank outside the United States. The sender's bank will ask for it as part of the international wire transfer process. You will also need to provide your full name, your Chase account number, and sometimes your address.

Use your routing number when money is coming from another U.S. bank or financial institution. Chase routing numbers vary by state and by the type of account. You can find your routing number by logging into your Chase account, calling Chase customer service, or visiting a branch. The routing number appears on the bottom left of your Chase checks.

For domestic transfers between two U.S. banks, the sending bank uses the routing number to find Chase's processing center in your state. For international transfers, the sending bank uses the SWIFT code to find Chase's international processing center. Both systems exist because the U.S. and international banking networks operate separately.

How to find your Chase account information for wire transfers

Log into your Chase online account and go to the "Wire Transfer" or "Send Money" section. Most accounts will display a page labeled "Wire Transfer Instructions" or "Receive a Wire Transfer." This page lists your account number, the correct routing number for your account type, and sometimes the SWIFT code.

If you cannot find this information online, call Chase customer service at the number on the back of your debit or credit card. Have your account number ready. A representative can confirm your routing number, account number, and SWIFT code within a few minutes. If you are expecting an international transfer, ask the representative to confirm the SWIFT code for your specific branch.

You can also visit a Chase branch in person and ask for your wire transfer details. Bring a photo ID and your account number. The branch can print out a sheet with all the information you need to give to someone sending you money internationally or domestically.

What information the sender actually needs

If someone is sending you money from outside the U.S., they need: your full name (exactly as it appears on your account), your Chase account number, the SWIFT code (CHASUS33 or your branch-specific code), and sometimes your address. They do not need an IBAN because Chase does not use that system.

If the sender's bank asks for an IBAN and will not accept a SWIFT code, there is a problem with either the sender's bank or the instructions they received. SWIFT codes are the international standard for U.S. banks. No legitimate U.S. bank issues IBANs. If the sender is confused, direct them to contact their own bank and ask for the correct way to send money to a U.S. account.

Some international money transfer services (like Wise, formerly TransferWise) may ask for different information or may use different routing systems. If you are using a third-party service, follow their instructions rather than the standard bank wire process. These services sometimes convert currencies or use intermediary banks, which changes what information they need.

Common mistakes that delay wire transfers

The most common error is providing an IBAN when the sender asks for one. If you tell them Chase does not issue IBANs and they insist, the transfer will likely fail or be rejected. Make sure the sender understands they need a SWIFT code, not an IBAN.

Another frequent mistake is providing the wrong routing number. Routing numbers are specific to your account type (checking, savings) and your state. If you give the wrong one, the transfer may go to the wrong Chase account or be rejected entirely. Always confirm your routing number with Chase before giving it to someone.

Misspelling your name or providing an incorrect account number will also cause the transfer to fail. International transfers are slower than domestic ones, so errors can take weeks to resolve. Before you give anyone your information, double-check it against your Chase statements or online account.

Frequently Asked Questions

Can I use CHASUS33 for all Chase wire transfers?

CHASUS33 works for most incoming international transfers to any Chase account in the U.S. However, some branches have their own SWIFT codes. Contact your branch or check your Chase account's wire transfer instructions page to confirm the code for your specific location.

What is the difference between a SWIFT code and a routing number?

A routing number is used for transfers between U.S. banks only. A SWIFT code is used for international transfers. Both identify Chase and route money to the correct account, but they operate in different banking networks.

If someone sends me money with the wrong SWIFT code, what happens?

The transfer will likely be rejected or sent to the wrong account. The sender's bank will usually return the money to them within one to two weeks. Contact Chase immediately if you receive a transfer that was not intended for you.

Do I need to provide my address for an international wire transfer?

Some banks require it, and some do not. Ask the sender's bank or the person sending the money whether they need your address. It is safer to provide it if asked, as it helps confirm the transfer is going to the correct person.

Can I receive an international wire transfer to a Chase savings account?

Yes. Both Chase checking and savings accounts can receive international wire transfers. The SWIFT code and process are the same for both account types. Make sure you give the sender the account number for the specific account where you want the money to arrive.