Chase IBAN and SWIFT codes explained

Chase does not issue IBAN numbers to U.S. customers. An IBAN (International Bank Account Number) is a standardized account identifier used primarily in Europe and some other regions outside the United States. If you have a Chase account in the U.S., you will not have an IBAN, and you do not need one for wire transfers.

A SWIFT code (also called a BIC code) is different. Chase does have SWIFT codes, and you will need one if you are sending money internationally or receiving a wire from outside the U.S. The SWIFT code identifies the bank itself, not your specific account. For Chase, the SWIFT code depends on which state your account is held in and which division of Chase handles it.

If someone asks you for an IBAN when you have a U.S. Chase account, they are either mistaken about where your bank is located or they are asking for the wrong information. Tell them you have a U.S. bank account and provide your SWIFT code and account number instead.

Key Takeaways

  • U.S. Chase accounts do not have IBANs; IBANs are used in Europe and other regions, not in the United States.
  • Chase SWIFT codes vary by state and account type, so you need to confirm which code applies to your specific branch or account.
  • For international wire transfers, you will need your Chase SWIFT code, your account number, and your routing number.
  • You can find your SWIFT code on Chase's website, by calling Chase customer service, or by asking your branch directly.

Finding your Chase SWIFT code

Chase publishes SWIFT codes for each state and account type on its website. The most common SWIFT code for Chase Bank in the U.S. is CHASUS33, but this is not universal. Depending on your account location and the type of account you hold, your SWIFT code may be different.

To find the correct code, go to Chase.com and search for "SWIFT code" or "international wire transfer." Chase maintains a list organized by state. If you cannot find it online, call Chase customer service at the number on the back of your debit card or visit a branch in person. Have your account number ready when you call.

Some Chase accounts held in specific states or through certain divisions may have different SWIFT codes. If you are sending or receiving a large or time-sensitive wire, confirm the code with Chase directly rather than relying on a general list.

What information you actually need for a wire transfer

When you send money internationally from Chase, you will need to provide several pieces of information. The receiving bank will ask for your SWIFT code, your account number, your routing number, and your full name as it appears on the account. Some banks also ask for your address.

Do not confuse SWIFT codes with routing numbers. Your routing number is a nine-digit code specific to your Chase branch and is used for domestic transfers. Your SWIFT code is used for international transfers. Both are necessary for different types of wire transfers, and they are not interchangeable.

If you are receiving a wire from abroad, provide the sender with your SWIFT code, account number, and routing number. Make sure the sender has your correct legal name and account holder information, because banks will reject wires if the name on the sending account does not match the receiving account closely enough.

The difference between IBAN, SWIFT, and routing numbers

An IBAN is a long standardized number (up to 34 characters) that includes the country code, bank code, and account number all in one. It is used in Europe, the Middle East, Africa, and some other regions. The U.S. banking system does not use IBANs at all.

A SWIFT code is four to eleven characters and identifies the bank and branch. It is used worldwide for international transfers, including from U.S. banks. A routing number is nine digits and identifies a specific U.S. bank or branch; it is used only for domestic transfers within the United States.

If you are sending money to a European bank account, that bank will have an IBAN. If you are sending money from Chase to that bank, you will use Chase's SWIFT code plus your own account and routing numbers. The receiving bank will use the recipient's IBAN to identify the correct account.

Common mistakes when providing Chase banking information

The most common error is providing a routing number when a SWIFT code is needed, or vice versa. Routing numbers do not work for international transfers. If a foreign bank asks for a routing number and you give them one, the wire may be delayed or rejected.

Another frequent mistake is assuming all Chase accounts have the same SWIFT code. They do not. If you have multiple Chase accounts in different states or account types, each may have a different code. Always confirm which code applies to the specific account you are using.

Some people also provide incomplete information. Banks need your full legal name, account number, and SWIFT code at minimum. Missing or incorrect information will cause delays. If you are unsure about any detail, contact Chase before initiating the transfer.

When you might need to provide this information

You will need your SWIFT code and account number when you are sending money internationally from Chase. You will also need it if someone outside the U.S. is sending you money and asks for your banking details. Employers, clients, or family members abroad may request this information to pay you directly.

If you are setting up a recurring international payment or a standing order, you will provide this information once, and the bank will use it for all future transfers. Make sure the information is correct before you confirm, because changing it later can be slow.

You do not need to provide SWIFT codes for domestic transfers within the U.S., even if the receiving bank is in a different state. Domestic transfers use routing numbers only.

Frequently Asked Questions

Does Chase give U.S. customers an IBAN?

No. IBANs are used in Europe and certain other regions, not in the United States. If you have a U.S. Chase account, you will not have an IBAN. If someone asks for one, tell them you have a U.S. bank account and provide your SWIFT code and account number instead.

Is CHASUS33 the SWIFT code for all Chase accounts?

CHASUS33 is the most common Chase SWIFT code, but it is not universal. Some accounts in specific states or divisions may have different codes. Check Chase's website or call customer service to confirm the correct code for your account.

Can I use my routing number for an international wire transfer?

No. Routing numbers are for domestic U.S. transfers only. For international transfers, you must provide your SWIFT code. Using a routing number instead will cause the transfer to fail or be delayed.

What do I do if the receiving bank says my SWIFT code is wrong?

Contact Chase customer service immediately and provide them with the receiving bank's name and country. Chase can confirm the correct SWIFT code for your account and the receiving bank's requirements. There may be a specific code needed for that particular bank or country.

Do I need both a SWIFT code and a routing number for international transfers?

You need your SWIFT code for the international portion of the transfer. You will also provide your account number and routing number, as they are part of your complete banking information. The receiving bank uses the SWIFT code to route the money to Chase, then Chase uses the routing number and account number to deposit it in your account.