Chase's bank identification code is 10033000, but you may need a different code depending on which Chase branch or service handles your wire transfer

When you send a wire transfer through Chase, the bank needs an identification code to route your money correctly. Chase's primary bank identification code (BIC), also called a SWIFT code, is 10033000. However, this code does not work for every type of wire transfer or every Chase location. Domestic wires, international wires, and transfers between different Chase divisions sometimes use different codes, and using the wrong one can delay your transfer or send it to the wrong place.

The code you need depends on whether you are sending money within the United States or internationally, and which Chase service is handling the transfer. Before you initiate a wire, confirm the correct code with Chase directly or check the wire instructions on your account.

Key Takeaways

  • Chase's main bank identification code is 10033000, but the correct code depends on whether your wire is domestic or international.
  • Domestic wires often use a different routing number than the bank identification code, so ask Chase which number applies to your specific transfer.
  • International wires to or from Chase typically require the SWIFT code CHASUS33, not the general bank code.
  • Confirming the code before you send prevents delays and ensures your money reaches the intended account.

Domestic wires versus international wires use different codes

A domestic wire transfer within the United States does not use a bank identification code at all. Instead, it uses a routing number, which is a nine-digit code specific to your Chase branch. The routing number tells the Federal Reserve and other U.S. banks where to send your money. Chase has multiple routing numbers depending on your state and branch, so you will need to confirm the correct one for your account before sending.

An international wire transfer does use a bank identification code. For Chase, the SWIFT code for international wires is CHASUS33. This code tells banks outside the United States that the money is going to or coming from Chase in the U.S. If you are sending money to a Chase account in another country, that country's Chase branch will have its own SWIFT code, which you will need to obtain from the recipient or from Chase directly.

How to find the correct code for your wire

The fastest way to get the right code is to call Chase directly or log into your online banking account and look at the wire transfer instructions. Chase's customer service can tell you the exact code for your specific transfer in less than five minutes. If you are sending money to someone else's Chase account, ask the recipient which code they were given by their bank — they may have already looked it up.

If you are receiving a wire from outside the United States, provide the sender with CHASUS33 plus your account number and the routing number for your Chase branch. The sender's bank will use this information to route the money correctly. Do not assume the sender knows which code to use; many international wires are delayed because the wrong code was entered.

What happens if you use the wrong code

Using an incorrect bank identification code can cause your wire to be rejected, delayed, or sent to the wrong account. If the code does not match Chase's system, the wire may bounce back to the sending bank within one to three business days. The sending bank will then return the money to the sender, who has to resubmit with the correct code.

In rare cases, a wire sent with an incorrect code reaches a different financial institution or account. This is harder to recover because the receiving bank has to investigate and reverse the transfer. To avoid this, double-check the code one more time before you confirm the wire, and keep a record of which code you used in case you need to trace the transfer later.

Chase bank codes for specific services and locations

Chase operates multiple divisions — retail banking, business banking, investment services — and each may have its own processing center. If you are sending a wire through Chase Private Client, Chase Business, or another specialized service, the code may differ from the standard 10033000. The difference is usually small, but it matters for routing.

For most personal checking and savings accounts, 10033000 is the general bank code, but your domestic wire will use your branch's routing number instead. For business accounts, confirm with your Chase business banker which code applies. If you are wiring money to or from an investment account held at Chase, ask your investment advisor for the correct code before you send.

Frequently Asked Questions

Is the bank identification code the same as the routing number?

No. A routing number is used for domestic U.S. wires and is nine digits. A bank identification code (SWIFT code) is used for international wires and is eight to eleven characters. Chase has one main bank code but many routing numbers depending on your branch location.

Can I use 10033000 for a domestic wire transfer?

No. Domestic wires use your Chase branch's routing number, not the bank identification code. Call Chase or check your account statements to find your branch routing number before sending a domestic wire.

What is the SWIFT code for sending money to Chase internationally?

The SWIFT code for Chase in the United States is CHASUS33. If you are sending money to a Chase branch in another country, that branch has its own SWIFT code, which you should obtain from the recipient or from Chase.

What should I do if my wire was sent with the wrong code?

Contact Chase immediately and provide the wire amount, date sent, and recipient information. If the wire has not been processed yet, Chase may be able to cancel it. If it has already been sent, you will need to wait for it to be rejected and returned, then resubmit with the correct code.

Do I need a bank identification code to receive a wire at Chase?

Yes, if the wire is coming from outside the United States. Provide the sender with CHASUS33, your account number, and your branch routing number. For domestic wires, only the routing number and account number are needed.