Chase SWIFT and BIC codes are the routing identifiers your bank uses to receive international wire transfers

When someone outside the United States sends you money by wire, they need two pieces of information from your bank: a SWIFT code and a BIC code. For Chase accounts, these are often the same nine-character code. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication; BIC stands for Bank Identifier Code. They serve the same purpose — they tell the sending bank's network exactly which Chase branch or processing center should receive your money.

Chase's SWIFT/BIC code varies depending on which state your account is held in and which processing center handles it. The most common code for Chase is CHASUS33, but other valid codes include CHASUS33XXX, CHASUS33NYC, CHASUS33CHI, and others. Your sender needs the correct code for their region or the wire may be delayed or rejected.

You will also need your account number and sometimes a routing number, depending on what the sending bank requires. The sender's bank determines which details they ask for — there is no single standard form across all countries.

Key Takeaways

  • Chase's most common SWIFT/BIC code is CHASUS33, but the exact code depends on which Chase processing center handles your account.
  • You can find your specific SWIFT code by calling Chase customer service or logging into your online account; do not guess or use a generic code.
  • International wire senders will ask for your SWIFT code, BIC code, account number, and sometimes your routing number — have all of these ready.
  • A wire sent with an incorrect SWIFT code may be delayed several days or returned to the sender, so verify the code before the sender initiates the transfer.

How to find your Chase SWIFT and BIC code

The fastest way is to call Chase customer service at 1-800-935-9935 and ask for your SWIFT code and BIC code. Have your account number ready. A representative can tell you the exact code assigned to your account in under a minute.

You can also log into Chase.com, go to your account details or settings, and look for international wire transfer information. Some accounts display this in the "Wire Instructions" or "International Transfers" section. If you do not see it there, the phone call is more reliable.

Do not use a generic SWIFT code you find online without confirming it with Chase first. Using the wrong code will not cause your account to be compromised, but it may send the wire to the wrong processing center, causing a delay of several business days while the money is rerouted.

What information the sender needs from you

Before someone sends you an international wire, ask them what their bank requires. Most banks ask for at least three of these four pieces of information:

  • Your full name as it appears on your Chase account
  • Your Chase account number
  • Chase's SWIFT/BIC code (usually CHASUS33 or a regional variant)
  • Chase's routing number for your state (different from the SWIFT code)

Some countries' banks also ask for your address or a reference number for the transfer. The sending bank's form will specify what is required. If the sender is unsure, they should contact their own bank — not Chase — because Chase cannot tell a foreign bank what information that bank's rules require.

How long an international wire takes to arrive

A wire sent with the correct SWIFT code typically arrives within one to three business days. Weekends and holidays do not count as business days, so a wire sent on Friday afternoon may not arrive until Tuesday.

If the wire does not arrive within five business days, the sender should contact their bank to confirm the transfer was actually sent. Chase cannot track a wire that was never initiated on the sending end. Once Chase receives the wire at the correct SWIFT code, it posts to your account the same day or the next business day.

Delays sometimes happen because the sending bank used an outdated SWIFT code, sent it to the wrong processing center, or included incorrect account information. This is why confirming the code with Chase before the sender initiates the transfer saves time.

SWIFT codes for different Chase account types

Chase uses the same SWIFT/BIC code for personal checking, personal savings, and business accounts. The code is tied to the processing center, not the account type. However, some international senders' banks may ask whether the account is personal or business — this is separate from the SWIFT code and you should answer truthfully based on your account.

If you have multiple Chase accounts in different states, each may have a slightly different SWIFT code. For example, an account in New York might use CHASUS33NYC while one in California might use CHASUS33LAX. Call Chase to confirm which code applies to the specific account receiving the wire.

What to do if a wire arrives late or not at all

If you were expecting a wire and it has not arrived after five business days, contact Chase customer service. Have the sender's name, the amount, and the date they said they sent it ready. Chase can check whether the wire arrived at your SWIFT code and is pending posting, or whether it never reached Chase at all.

If the wire went to the wrong SWIFT code, it may have been sent to another bank or processing center. The sending bank will need to contact that institution to retrieve it. This process can take one to two weeks. This is why confirming the SWIFT code before the transfer is initiated is so important.

If the wire was sent with incorrect account information, the sending bank may be able to cancel it and resend it with the correct details. Ask the sender to contact their bank immediately if they realize a mistake was made.

Frequently Asked Questions

Is the SWIFT code the same as the routing number?

No. The routing number is a nine-digit code used for domestic U.S. transfers; the SWIFT code is used for international transfers. Both identify Chase, but they are different numbers and serve different purposes. A sender outside the U.S. will ask for the SWIFT code, not the routing number.

Can I give out my SWIFT code and account number safely?

Yes. Your SWIFT code and account number are safe to share with anyone who needs to send you money. These details cannot be used to withdraw funds or access your account — they only allow money to be deposited into your account. Never share your PIN, password, or online banking credentials.

What if the sender's bank says Chase does not have a SWIFT code?

This is extremely rare, but if it happens, have the sender contact their bank's international wire department and confirm that they are looking for Chase Bank in the United States. Some smaller or regional banks may have outdated systems. You can also call Chase to ask if there is an alternative code or routing method for that particular country.

Do I need a different SWIFT code for receiving money versus sending it?

No. Chase uses the same SWIFT code whether you are sending or receiving an international wire. However, if you are sending money out of Chase, you will need the SWIFT code of the bank receiving your money, not Chase's code.

What happens if someone sends a wire to the wrong account number but the right SWIFT code?

The wire will arrive at Chase but may be held or rejected if the account number does not match any account in the system. Chase will attempt to contact the sender's bank to return the funds. Contact Chase customer service if you believe a wire was sent to you but has not arrived — they can search for unmatched incoming wires.