Chase's SWIFT code is CHASUS33, though the last three digits may change depending on which Chase location handles your transfer

When you send a wire transfer through Chase, the bank needs a SWIFT code — a standardized identifier that tells the sending bank which financial institution and branch will receive the money. Chase's primary SWIFT code is CHASUS33. The first six letters identify Chase Bank as the institution, "US" confirms it is a United States bank, and "33" is the branch code for their main wire operations center.

However, Chase operates multiple wire processing locations, and some transfers may route through a different branch code. If you are sending money internationally or to a specific Chase location, the receiving bank or Chase customer service may provide you with an alternate code ending in a different three-digit number. Always confirm the exact code with the recipient or with Chase before you initiate the transfer, because using an incorrect code can delay the payment or send it to the wrong place.

Key Takeaways

  • Chase's standard SWIFT code for wire transfers is CHASUS33, which works for most domestic and international transfers.
  • The last three digits of a Chase SWIFT code may vary depending on the specific branch or processing center handling your transfer.
  • You should always confirm the correct SWIFT code with the recipient or Chase before sending money, because an incorrect code can cause delays or routing errors.
  • SWIFT codes are required for international wire transfers but are not typically needed for domestic transfers within the United States.
  • Chase customer service can provide you with the exact SWIFT code for your specific transfer situation if you are unsure.

When you need a SWIFT code versus other routing information

A SWIFT code is required when you are sending money outside the United States. If you are wiring funds to another country, the receiving bank will ask for the SWIFT code to identify which institution and location should receive the payment. For transfers between two U.S. banks, you typically use a routing number instead — a nine-digit code specific to each U.S. bank branch.

Some international transfers also require an IBAN (International Bank Account Number), which is a standardized account identifier used in Europe and many other regions. If you are sending money to a country outside the U.S., ask the recipient which pieces of information they need: the SWIFT code, an IBAN, the account number, or all three. Providing incomplete information is one of the most common reasons wire transfers get delayed or rejected.

How to find the right SWIFT code for your specific transfer

If you are sending money to a Chase account within the U.S., you do not need a SWIFT code at all — use Chase's routing number instead, which you can find on your checks or by logging into your Chase account online. If you are sending money internationally to a Chase account outside the U.S., CHASUS33 is the code to use.

If you are sending money to a non-Chase bank outside the U.S., ask the recipient for their bank's SWIFT code. Most banks publish this information on their website or can provide it over the phone. You can also search for a SWIFT code using an online SWIFT directory, though you should verify the code with the recipient before sending money, because using an incorrect code can result in the transfer going to the wrong institution.

What happens if you use the wrong SWIFT code

If you enter an incorrect SWIFT code, the sending bank may reject the transfer before it leaves Chase, or the money may be sent to a different bank or country. Some wire systems will catch the error and return the funds to you within a few business days, but others may take weeks to reverse. In the worst case, the money could be sent to an account you did not intend, and recovering it becomes a lengthy process involving both banks and potentially law enforcement.

This is why confirming the SWIFT code with the recipient is not optional — it is the fastest way to prevent a costly mistake. If you have already sent a transfer with an incorrect code, contact Chase immediately and provide them with the transaction details. They can attempt to recall the payment, though success depends on whether the receiving bank has already processed it.

Domestic versus international wire transfer requirements

Domestic wire transfers within the U.S. use a routing number, not a SWIFT code. Chase's routing number varies by location and account type, but you can find the correct one on your checks, in your online banking portal, or by calling Chase customer service. Domestic transfers typically clear within one business day and do not require any international banking codes.

International transfers require a SWIFT code and may also require an IBAN or other account identifiers depending on the destination country. International transfers usually take three to five business days to clear, and the receiving bank may charge a fee in addition to any fee Chase charges. Some countries have specific requirements — for example, transfers to the United Kingdom require an IBAN, while transfers to Canada require a routing number similar to the U.S. system.

How to send a wire transfer through Chase using a SWIFT code

Log into your Chase online banking account and select "Send Money" or "Wire Transfer." Choose "International Wire" if you are sending money outside the U.S. Enter the recipient's name, bank name, and account number. When prompted for the bank identifier, enter the SWIFT code (CHASUS33 if sending to a Chase account outside the U.S., or the recipient's bank's SWIFT code if sending to another institution).

Review all the information carefully before confirming, because wire transfers cannot be reversed once they leave Chase. If you are unsure about any field, call Chase at the number on the back of your debit card or visit a branch in person. Chase customer service can walk you through the process and confirm that you have entered the correct SWIFT code and account information.

Frequently Asked Questions

Is CHASUS33 the only SWIFT code Chase uses?

CHASUS33 is Chase's primary SWIFT code and works for most transfers. However, Chase operates multiple wire processing centers, and some transfers may use a different branch code with a different three-digit ending. Always confirm with the recipient or Chase which code applies to your specific transfer.

Do I need a SWIFT code to send money between two Chase accounts?

No. If both accounts are held at Chase in the U.S., you use Chase's routing number instead. SWIFT codes are only required for international transfers. For domestic transfers, use the nine-digit routing number found on your checks or in your online banking account.

What if the recipient gives me a different SWIFT code than CHASUS33?

Use the code the recipient provides. If they are receiving money at a Chase branch outside the U.S., that branch may have its own SWIFT code. If they are receiving money at a non-Chase bank, they will provide their own bank's SWIFT code. Always use the code the recipient specifies, not a generic one.

Can I look up a SWIFT code online if I do not know it?

Yes, online SWIFT directories exist, but you should always verify the code with the recipient before sending money. A directory may have outdated information or you may enter the wrong bank name. Confirming directly with the recipient takes one minute and prevents costly errors.

How long does an international wire transfer take if I use the correct SWIFT code?

International wire transfers typically take three to five business days to clear, even with the correct SWIFT code. The exact timing depends on the receiving bank's processing speed and whether any intermediate banks are involved. Some transfers may take longer if the receiving country has additional security requirements.