Chase's SWIFT and BIC codes are the same thing, and the code you need depends on which country you're sending money to

Chase uses the SWIFT code CHASUS33 for domestic wire transfers within the United States. If you're sending money internationally, you'll use the same code — SWIFT and BIC are interchangeable terms for the same identifier. The code tells the receiving bank's system that the money is coming from Chase and routes it correctly through the international banking network.

The reason you see both terms is historical: SWIFT stands for Society for Worldwide Interbank Financial Telecommunication (the system itself), while BIC stands for Bank Identifier Code (the actual code). Banks outside the US tend to call it BIC; US banks and wire transfer forms often say SWIFT. Either term refers to the same eight or eleven-character code.

You'll also need your Chase account number and routing number to complete a wire transfer. The routing number for Chase varies by state and account type, so confirm it with your bank or check your checks — it's the first nine digits printed at the bottom left.

Key Takeaways

  • Chase's SWIFT/BIC code is CHASUS33 for all wire transfers, whether domestic or international.
  • You will also need your Chase account number and your specific routing number, which varies by location and account type.
  • SWIFT and BIC are the same thing — different names for the same banking identifier used by the international payment system.
  • Your receiving bank or the person you're sending money to can tell you what code format they need, since some countries use slightly different versions.

When you need CHASUS33 versus other Chase codes

CHASUS33 is the standard code for Chase Bank USA, N.A., which is the main consumer and business banking entity. If you have an account at a Chase subsidiary or specialized division, the code might differ slightly, but most people sending or receiving money through a standard Chase checking or savings account use CHASUS33.

Some wire transfer forms ask for an 11-character code instead of 8. When that happens, CHASUS33 is still correct — the system will accept it and add the extra characters automatically. You don't need to modify it or add anything yourself.

If you're receiving a wire transfer from outside the US, give the sender CHASUS33 along with your account number and routing number. The sender's bank will use all three pieces of information to route the money to your specific account at Chase.

How to find your routing number for the wire

Your routing number is not the same as the SWIFT code. It's a nine-digit number specific to your Chase branch or account type, and you need both pieces of information to complete a wire transfer.

The fastest way to find your routing number is to look at the bottom left of any check you have. The first nine digits are your routing number. You can also log into your Chase online account, call Chase customer service at the number on the back of your debit card, or visit a Chase branch in person.

If you're sending money out of Chase, you'll enter your routing number on the wire transfer form. If you're receiving money, you'll give your routing number to the person sending it. Chase will ask you to confirm it before processing any outgoing wire.

What information the receiving bank needs from you

When you're sending a wire transfer, you'll provide the receiving bank with four pieces of information: the recipient's name, their account number, their bank's SWIFT/BIC code, and their bank's routing number (if it's a US bank) or their IBAN (if it's outside the US).

If the recipient is at another US bank, you use that bank's routing number instead of a SWIFT code. If they're outside the US, you use their SWIFT code and often their IBAN — a longer code that includes their country, bank, and account information in one string. The receiving bank's website or customer service can tell you which format they need.

Chase will ask you to confirm all of this information before sending the wire. Wire transfers are permanent once sent, so double-check the account number and recipient name especially — a typo in the account number means the money goes to the wrong person and can be difficult to recover.

International wires versus domestic wires

For domestic wires (money staying within the US), you use the recipient's routing number, not their SWIFT code. Chase will process the wire through the Federal Reserve's system, which is faster and doesn't require international banking codes.

For international wires, you use the recipient's SWIFT code and often their IBAN. Chase will route the wire through the SWIFT network, which connects banks across countries. International wires typically take three to five business days, while domestic wires usually arrive the same day or next business day.

Chase charges a fee for outgoing wire transfers — the amount varies but is usually between $15 and $30 for domestic wires and $40 to $50 for international wires. Incoming wires are typically free. Confirm the current fee with Chase before you send, since fees can change.

How to send a wire transfer through Chase

You can send a wire transfer through Chase online, by phone, or in person at a branch. Online is usually fastest if you're sending to a bank account you've already used.

To send online, log into your Chase account, go to the wire transfer section, and enter the recipient's information. You'll provide their name, account number, routing number (or SWIFT code for international), and the amount. Chase will show you the fee and ask you to confirm before processing.

If you're sending to a new recipient or sending internationally, you may need to call Chase or visit a branch. Some international wires require additional information like the recipient's address or the purpose of the transfer. Chase customer service can walk you through what you need for your specific situation.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

Yes. CHASUS33 is Chase Bank USA's main SWIFT code and works for checking, savings, and business accounts. Specialty accounts or Chase subsidiaries may have different codes, but standard consumer and business accounts all use CHASUS33.

Do I need both the SWIFT code and the routing number?

For domestic US wires, you need the routing number but not the SWIFT code. For international wires, you need the SWIFT code and often the IBAN. If you're sending money to another US bank, use their routing number. If you're sending outside the US, use their SWIFT code.

What if I give the wrong account number?

The wire will go to the wrong account. Wire transfers are permanent, and recovering money sent to the wrong account is difficult and can take weeks or longer. Always double-check the account number and recipient name before confirming the transfer.

How long does a wire transfer take?

Domestic wires usually arrive the same day or next business day. International wires typically take three to five business days, depending on the receiving bank's processing time. Chase processes outgoing wires during business hours, so wires sent after hours or on weekends may not process until the next business day.

Can I cancel a wire transfer after I send it?

Once a wire transfer is sent, it cannot be cancelled. Call Chase immediately if you realize you made a mistake, but the bank cannot may provide they can stop it. This is why confirming all information before sending is critical.