Chase does not issue IBAN numbers to U.S. account holders

If you have a Chase checking or savings account in the United States, you will not have an IBAN. IBAN (International Bank Account Number) is a standardized format used primarily in Europe, the Middle East, Africa, and some other regions — but not in the U.S. banking system.

The U.S. uses a different routing system for domestic and international transfers. For wire transfers from a Chase U.S. account, you will use your routing number and account number instead. If you are sending money internationally, you will also need Chase's SWIFT code, which is different from an IBAN.

If you have a Chase account outside the United States — for example, in the United Kingdom or another country that uses IBAN — that account will have an IBAN. But a U.S. Chase account does not.

Key Takeaways

  • U.S. Chase accounts do not have IBANs; the U.S. banking system uses routing numbers and account numbers instead.
  • For international wire transfers from Chase, you need the SWIFT code CHASUS33 (or a variant depending on which Chase office processes the transfer) plus your routing and account numbers.
  • Your routing number is a nine-digit code that identifies Chase as your bank; your account number identifies your specific account.
  • You can find both your routing number and account number on the bottom left of your Chase checks, or log into Chase online banking to view them.

What you need instead: routing number and SWIFT code

For a wire transfer from your U.S. Chase account, the receiving bank will ask for your routing number and account number. The routing number is a nine-digit code that identifies Chase (or whichever bank you use). Your account number is unique to your specific account.

If the transfer is going to another country, the receiving bank will also ask for a SWIFT code. Chase's primary SWIFT code is CHASUS33. Some international transfers may route through a different Chase office and use a variant code, but CHASUS33 is the standard one to provide.

Think of it this way: the routing number tells the receiving bank which U.S. bank to contact, the account number tells them which account within Chase, and the SWIFT code does the same job for international transfers — it identifies Chase in the global banking network.

Where to find your routing number and account number

The easiest place to find both numbers is on a Chase check. Look at the bottom left corner. You will see three groups of numbers: the routing number (nine digits) comes first, then your account number (usually ten to twelve digits), then the check number.

You can also find these numbers by logging into Chase online banking or the Chase mobile app. Go to your account details or account information section — the exact menu name varies slightly depending on which device you are using, but it is usually labeled "Account Details" or "Account Information." Both numbers will be displayed there.

If you do not have checks and cannot access online banking, you can call Chase customer service at the number on the back of your debit card. They will provide your routing number and account number over the phone.

How to provide this information for a wire transfer

When you initiate a wire transfer from Chase, you will enter your information into Chase's system — either through online banking, the mobile app, or by calling a representative. Chase will ask you for the recipient's bank details, not yours; Chase already has your account information on file.

If someone outside Chase is asking you for your routing number and account number to send you money, you can safely provide both. These are not secret numbers — they are printed on every check you write. Providing them does not give anyone access to withdraw money from your account.

For international transfers, make sure the receiving bank has Chase's SWIFT code (CHASUS33) along with your routing and account numbers. Some banks may also ask for your full name and address to match against your account.

Why the U.S. does not use IBAN

The U.S. banking system developed its own routing infrastructure decades before IBAN was created in the 1990s. The Federal Reserve and the banking industry chose to keep the existing routing number system rather than adopt IBAN, so American banks never issued IBANs to domestic customers.

This means that if you see a form asking for an IBAN and you have a U.S. Chase account, that form is designed for customers in other countries. You should leave the IBAN field blank and instead provide your routing number and account number, or ask the form provider which fields apply to U.S. accounts.

What to do if you have a Chase account outside the U.S.

If you hold a Chase account in the United Kingdom, Europe, or another region that uses IBAN, that account will have an IBAN. You can find it through your online banking portal or by contacting the local Chase branch. The IBAN will be a longer number than a U.S. routing number — typically 22 to 34 characters — and will begin with a two-letter country code.

For international transfers from a non-U.S. Chase account, you will provide the IBAN instead of a routing number. The receiving bank will use the IBAN to route the transfer through the international banking network.

Common mistakes when setting up international transfers

One frequent error is trying to use a U.S. routing number for an international transfer when the receiving bank expects an IBAN. If the receiving bank is in a country that uses IBAN and you provide a routing number instead, the transfer will be rejected or delayed. In that case, explain that you have a U.S. account and provide the SWIFT code and routing number instead.

Another mistake is confusing the SWIFT code with the routing number. They serve similar purposes but are different numbers. The SWIFT code (CHASUS33) identifies Chase globally; the routing number identifies Chase within the U.S. system. For international transfers, you typically need both.

A third common issue is providing incomplete information. Make sure you give the receiving bank your full legal name, your complete account number, and the correct routing number or SWIFT code. A single digit wrong can send the money to the wrong account or cause the transfer to fail.

Frequently Asked Questions

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

No. U.S. banks do not issue IBANs. If you need to receive an international wire transfer, provide the sender with your routing number, account number, and Chase's SWIFT code (CHASUS33). If the sender's bank requires an IBAN, explain that you have a U.S. account and ask them how they prefer to receive the information.

Is CHASUS33 the only SWIFT code for Chase?

CHASUS33 is the primary code for Chase in the U.S. Some international transfers may route through a specific Chase office and use a variant code, but CHASUS33 works for most transfers. If a receiving bank asks for a different code, contact Chase to confirm which one applies to your transfer.

What if I send money to the wrong account by mistake?

Wire transfers are difficult to reverse once sent. Contact Chase immediately and provide the transfer details. Chase can attempt to recall the transfer, but success depends on whether the receiving bank has already released the funds. The sooner you report the error, the better your chances of recovery.

Do I need a SWIFT code to send money from Chase to another U.S. bank?

No. For domestic transfers between U.S. banks, you only need the recipient's routing number and account number. SWIFT codes are only used for international transfers.

Where do I find my account number if I do not have checks?

Log into Chase online banking or the mobile app and go to your account details. You can also call Chase customer service at the number on the back of your debit card, and they will provide it over the phone.