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

If you have a Chase account in the United States, you do not have an IBAN number. Chase uses the American banking system, which relies on routing numbers and account numbers instead. An IBAN (International Bank Account Number) is a standardized format used by banks outside the U.S., primarily in Europe, the Middle East, and parts of Asia and Africa.

If you are sending money from a Chase U.S. account to someone abroad, you will use your routing number and account number, not an IBAN. If you are receiving money from abroad into your Chase account, you may need to provide your bank with your SWIFT code instead, which is different from an IBAN.

Key Takeaways

  • U.S. Chase accounts do not have IBAN numbers; the U.S. banking system uses routing numbers and account numbers for domestic and international transfers.
  • If you need to receive a wire transfer from abroad, ask Chase for your SWIFT code and account number, not an IBAN.
  • If you are sending money from Chase to an international recipient, you will need their IBAN if they are in a country that uses IBANs.
  • Chase customers with accounts in other countries may have IBANs; contact your local Chase branch to confirm.

When you might think you need an IBAN

You may have been asked for an IBAN by someone sending you money from Europe or another region that uses the IBAN system. In that case, the sender is confused about how U.S. banking works. Tell them to use your Chase routing number (which you can find on the bottom left of your checks or in your Chase online banking portal) and your account number instead.

Some international payment platforms or money transfer services may ask for an IBAN as part of their standard form. If you are a U.S. Chase customer, leave that field blank or select "not applicable" and provide your routing number and account number when prompted for U.S. banking details.

How to find your routing number and account number

Your Chase routing number is a nine-digit code that identifies your specific Chase branch. Your account number is unique to your individual account. Both appear on the bottom of your paper checks: the routing number is on the far left, your account number is in the middle, and the check number is on the right.

You can also find both numbers by logging into your Chase online account or mobile app. Go to your account details or account settings, and both numbers will be listed there. If you cannot locate them, call Chase customer service at the number on the back of your debit or credit card, and they will provide both numbers over the phone.

What to do if you are receiving money from abroad

When someone outside the U.S. is sending you money, they will need your SWIFT code, not an IBAN. Chase's SWIFT code is CHASUS33 (for most U.S. locations), though some branches have different codes. Provide the sender with this SWIFT code along with your account number and your full name as it appears on your account.

Some senders may also ask for an intermediary bank or a reference number. Chase can provide these details if the sender's bank requires them. Call Chase or visit a branch with the sender's bank name and country, and Chase can give you the exact information their system needs.

If you have a Chase account outside the U.S.

Chase operates in several countries outside the United States, including the United Kingdom, Japan, and others. If you hold an account with Chase in one of these countries, you may have an IBAN. The format and structure of your IBAN will depend on the country where your account is held.

To find your IBAN if you have a non-U.S. Chase account, log into your online banking portal for that country or contact your local Chase branch directly. They will provide your IBAN in the correct format for your region.

Common mistakes when sending money internationally from Chase

The most common error is providing a U.S. routing number to someone in a country that only accepts IBANs. This will cause the transfer to fail or be delayed. Before you give anyone your banking information, ask them which country their bank is in and what format they need. If they are in Europe or another IBAN-using region, they need an IBAN from their own bank, not from you.

Another mistake is confusing SWIFT codes with IBANs. A SWIFT code identifies a specific bank; an IBAN identifies a specific account within that bank's system. You need both pieces of information for most international transfers, but only if the recipient's bank uses IBANs. U.S. banks do not.

Frequently Asked Questions

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

No. U.S. banks, including Chase, do not issue IBANs. The American banking system uses routing numbers and account numbers instead. If someone asks for an IBAN from your U.S. account, provide your routing number and account number.

What is the difference between a SWIFT code and an IBAN?

A SWIFT code identifies a specific bank and branch. An IBAN identifies a specific account within a bank that uses the IBAN system. Most international transfers require both, but only if the recipient's country uses IBANs. U.S. banks use SWIFT codes but not IBANs.

Someone in Europe is sending me money. What do I give them?

Give them your Chase SWIFT code (usually CHASUS33), your account number, and your full name. Do not give them an IBAN because you do not have one. They may be confused about U.S. banking, so you may need to explain that the U.S. does not use IBANs.

I am sending money from Chase to someone abroad. Do I need their IBAN?

Only if they are in a country that uses IBANs, such as most European countries. Ask the recipient which country they are in and what their bank requires. If they are in an IBAN country, they will provide their IBAN. If they are in another region, they may provide a different account format.