Chase's SWIFT code is CHASUS33, though the full code you need depends on which Chase branch is handling your transfer

When you send money internationally from a Chase account, the receiving bank needs a SWIFT code — a standardized identifier that tells the foreign bank which U.S. financial institution is sending the funds. Chase's primary SWIFT code is CHASUS33. This code works for most international wire transfers from Chase accounts in the United States.

However, some transfers require a branch-specific code. If you're wiring from a particular Chase location or if the receiving bank requests additional routing details, you may need the full eight-character code plus a branch identifier. Your Chase banker or the wire transfer department can confirm which code applies to your specific transfer.

Key Takeaways

  • Chase's standard SWIFT code for international transfers is CHASUS33, which works for most wire transfers from U.S. Chase accounts.
  • Some receiving banks may ask for a branch-specific code or additional routing information beyond the basic SWIFT code.
  • You can find the correct code by calling Chase's wire transfer department, visiting a branch, or checking your account statements and wire instructions.
  • The SWIFT code is different from your account number and routing number — all three pieces of information may be needed for an international transfer.

When you need the SWIFT code versus other routing information

The SWIFT code identifies Chase as your bank to the international banking system. It is not the same as your nine-digit routing number (which is used for domestic U.S. transfers) or your account number. When sending money out of the country, you typically provide the receiving bank with three pieces of information: the SWIFT code, your account number, and sometimes your routing number.

The receiving bank uses the SWIFT code to route your transfer through the international banking network. They use your account number to deposit the funds into the correct account once the money arrives. Some countries or banks may also ask for your routing number as a secondary verification step, though this is less common for international transfers.

How to confirm the correct code before you wire

The safest approach is to contact Chase directly before initiating a transfer. Call the wire transfer department at the phone number on the back of your debit or credit card, or visit a Chase branch in person. Have the receiving bank's name and country ready — the Chase representative can confirm whether CHASUS33 is correct for that destination or whether you need additional information.

You can also ask the receiving bank which SWIFT code they need. Some banks have preferences or may request a code formatted differently. Providing the code the receiving bank specifies reduces the risk of delays or rejected transfers. If you have received wire instructions from the recipient, those instructions often include the SWIFT code they want you to use.

What happens if you use the wrong SWIFT code

If the SWIFT code is incorrect or incomplete, the transfer may be rejected by the international banking network before it leaves the United States. In that case, Chase will typically return the funds to your account, though this can take several business days. You'll then need to initiate a new transfer with the correct code.

In rare cases, a transfer with an incorrect code may reach a different bank or country. If this happens, that bank will reject it and send it back through the system, which can add a week or more to the process. This is why confirming the code with both Chase and the receiving bank before you wire is worth the few minutes it takes.

SWIFT codes for specific Chase locations or business accounts

Most personal Chase accounts use CHASUS33 for all international transfers, regardless of which branch you bank at. However, if you have a business account, a private banking relationship, or you're wiring from a specific Chase location, there may be a branch-specific code. These codes follow the format CHASUS33 plus additional characters that identify the particular branch.

If you're unsure whether your account requires a special code, ask Chase directly. The wire transfer department can look up your account and provide the exact code for your situation. This is especially important for business accounts, which sometimes have different routing requirements than personal accounts.

How international wire transfers work once you have the right code

Once you provide Chase with the correct SWIFT code, your account number, and the receiving bank's details, Chase initiates the transfer through the Society for Worldwide Interbank Financial Communication (SWIFT) network. Your bank sends the funds to an intermediary bank, which forwards them to the receiving bank in the destination country. The receiving bank then deposits the money into the recipient's account.

The entire process typically takes three to five business days, though it can be faster or slower depending on the destination country, time of day you initiate the transfer, and whether any banks in the chain need additional information. Chase will charge a wire transfer fee, which varies depending on whether the transfer is domestic or international and whether you're a standard or premium customer. Ask about the fee before you wire.

Frequently Asked Questions

Is CHASUS33 the same for all Chase customers?

CHASUS33 works for most Chase customers sending international transfers from U.S. accounts. Some business accounts or private banking clients may have a branch-specific code. Call Chase's wire department to confirm the code for your account type.

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

The SWIFT code is for international transfers; the routing number is for domestic U.S. transfers. For an international wire, you typically need the SWIFT code and your account number. Some receiving banks may also ask for the routing number, but the SWIFT code is the primary identifier.

What if the receiving bank says they don't recognize CHASUS33?

This is rare but can happen with smaller banks or certain countries. Contact Chase's wire department and provide the receiving bank's name and country. Chase can confirm whether the code is correct or provide an alternative code for that destination.

Can I find the SWIFT code on my Chase statements or online banking?

Chase statements and online banking typically show your routing number but not your SWIFT code. The fastest way to get it is to call the wire transfer department or visit a branch. You can also find CHASUS33 in Chase's wire transfer instructions, which are often available on their website.

How much does it cost to wire money internationally from Chase?

Chase charges a fee for international wire transfers, typically between $15 and $25 for outgoing transfers, though the exact amount depends on your account type and whether the transfer is sent through SWIFT or another method. Ask Chase about the fee before you initiate the transfer.