Chase does not issue IBAN numbers to U.S. customers

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

For international wire transfers from a U.S. Chase account, you will use your routing number and account number instead. These two pieces of information serve the same purpose as an IBAN does in other countries — they identify your bank and your specific account to the receiving institution.

If you are sending money to or from a country that requires an IBAN, the receiving bank (not Chase) will provide that number. If you are receiving a wire transfer into your Chase account from abroad, you will give the sender your routing number and account number, not an IBAN.

Key Takeaways

  • U.S. Chase accounts do not have IBAN numbers; the U.S. banking system uses routing numbers and account numbers instead.
  • For international wires to or from your Chase account, provide your 9-digit routing number and your account number.
  • If the receiving country requires an IBAN, that bank will issue it — you cannot create or request one from Chase.
  • Chase customers sending money to Europe or other IBAN-using regions will need the recipient's IBAN, not their own.

When you need your routing and account number instead

Every international wire transfer from a Chase account requires two identifiers: your routing number and your account number. Your routing number is a 9-digit code that identifies Chase Bank itself and the specific branch or processing center handling your account. Your account number is the unique identifier for your individual account.

You can find both on the bottom left of any check you have written from that account. The routing number appears first (9 digits), followed by your account number (typically 10 to 12 digits). You can also log into your Chase online account or mobile app, go to your account details, and view both numbers there. Calling Chase customer service will also provide these numbers immediately.

When you initiate a wire transfer through Chase, the bank will ask for the recipient's bank details. If the recipient is in the U.S., you will provide their routing number and account number. If the recipient is outside the U.S., you will provide whatever identifier their country uses — which may be an IBAN, a sort code, a bank code, or another format depending on the country.

How IBAN numbers work in other countries

An IBAN is a standardized account identifier used in roughly 80 countries, mostly in Europe, the Middle East, and Africa. It combines a country code, check digits, and the recipient's bank and account information into a single string. For example, a German IBAN might look like DE89370400440532013000, where DE indicates Germany, and the remaining characters identify the bank and account.

If you are sending a wire transfer to someone in Europe, the United Kingdom, or another IBAN-using country, you will need their IBAN. You do not need to understand how it works — you simply copy it exactly as they provide it and enter it into Chase's wire transfer form. Chase's system will route the money correctly based on that IBAN.

If you are receiving a wire transfer from abroad into your Chase account, the sender's bank will ask them for your account details. You will give them your Chase routing number and account number. Their bank will handle the conversion and routing; you do not need to provide or create an IBAN on your end.

What to do if a foreign bank asks for your IBAN

If a bank or person outside the U.S. asks you for your IBAN because they are sending you money, explain that you have a U.S. account and provide your routing number and account number instead. Most banks outside the U.S. are familiar with U.S. account details and can process a wire transfer using this information.

If the foreign bank insists on an IBAN or says it cannot process a wire to a U.S. account without one, the issue is not with Chase — it is with that bank's systems or policies. In that case, contact Chase directly and ask for guidance. Chase can sometimes provide a SWIFT code (a different international identifier) or advise you on alternative transfer methods, such as using an international money transfer service.

Do not attempt to create or request an IBAN from Chase, because the U.S. banking system does not use them. Chase cannot issue one, and no legitimate process exists to obtain one for a U.S. account.

SWIFT codes versus IBAN numbers

You may also hear the term SWIFT code (also called a BIC code) when discussing international transfers. A SWIFT code is different from an IBAN. It identifies the bank itself, not the individual account. Chase's SWIFT code is CHASUS33, though different Chase branches may have different codes depending on location.

Some international transfers require both the recipient's IBAN (to identify the account) and their bank's SWIFT code (to identify the bank). Others require only one or the other. When you send a wire through Chase to an international recipient, Chase will tell you which information is required based on the destination country.

If you are receiving a wire into your Chase account from abroad, the sender's bank may ask for Chase's SWIFT code. You can provide CHASUS33, though Chase customer service can confirm the exact code for your specific branch if needed.

How to initiate an international wire from Chase

To send an international wire transfer from Chase, log into your online account or visit a Chase branch. Chase offers wire transfers through its website, mobile app, and in person. You will be asked to enter the recipient's name, their bank details (which may include an IBAN, routing number, SWIFT code, or other identifier depending on the country), the amount, and the purpose of the transfer.

Chase will display the exchange rate, any fees, and the estimated delivery time before you confirm. International wires typically take one to three business days, though some countries may take longer. Chase charges a fee for outgoing international wires; the amount varies but is usually between $15 and $50 depending on the destination and method.

Keep a record of the wire confirmation number and receipt. If the transfer does not arrive or there is a problem, you will need this information to contact Chase and trace the transfer.

Frequently Asked Questions

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

No. Chase does not issue IBAN numbers because the U.S. banking system does not use them. If you need to receive a wire transfer from abroad, provide your routing number and account number instead. Most international banks can process transfers to U.S. accounts using this information.

What is Chase's SWIFT code?

Chase's primary SWIFT code is CHASUS33. However, different branches may have different codes. If you need the exact SWIFT code for your specific branch, contact Chase customer service or check your account details online.

Do I need an IBAN to send money to Europe?

Yes, if you are sending a wire transfer to someone in Europe or another IBAN-using country, you will need their IBAN. Ask the recipient for it directly. You do not need to create or request an IBAN yourself — you simply enter theirs into Chase's wire transfer form.

What if the foreign bank says it cannot process my transfer without an IBAN?

Contact Chase customer service. The issue is with the foreign bank's systems, not your account. Chase may be able to provide additional information, suggest an alternative transfer method, or help troubleshoot the problem.

How long does an international wire from Chase take?

Most international wires from Chase arrive within one to three business days. Some countries may take longer. Chase will show you the estimated delivery time when you initiate the transfer.