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

Chase Bank's primary SWIFT code is CHASUS33. This code routes international wire transfers to Chase's main processing center in the United States. However, if you're sending money from or to a specific Chase branch location, you may need a different code — Chase maintains separate SWIFT codes for different regions and business lines.

Before you wire money, confirm with Chase which code applies to your specific transfer. The code matters because it tells the sending bank's system exactly where your money should arrive. Using the wrong code can delay your transfer by days or send it to the wrong processing center, requiring manual correction.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, but different branches and business lines have their own codes.
  • You can find the correct code by calling Chase directly, checking your account statements, or asking the person sending you money to contact their bank.
  • The SWIFT code is different from your routing number — routing numbers are for domestic transfers, SWIFT codes are for international ones.
  • If you use the wrong code, the transfer may be delayed or routed incorrectly, but it typically won't be lost permanently.

When you need Chase's SWIFT code

You need a SWIFT code when someone outside the United States is sending you money, or when you're sending money to a bank account outside the U.S. The sending bank uses the code to identify Chase as the receiving bank and route the transfer through the international banking system.

If you're receiving a wire transfer from abroad, the person sending the money will ask you for your SWIFT code. If you're sending money internationally, your bank will ask for the recipient's SWIFT code. In both cases, you're providing routing information, not account information — the SWIFT code alone cannot access your account.

How to find the right Chase SWIFT code for your situation

The fastest way is to call Chase directly at the number on the back of your debit or credit card and ask which SWIFT code applies to your transfer. Have your account number ready. Chase customer service can tell you immediately whether you need the main code (CHASUS33) or a code specific to your branch or account type.

You can also check recent wire transfer confirmations in your Chase account online — if you've received an international transfer before, the confirmation email or statement will show the SWIFT code that was used. If you're sending money, your bank's wire transfer form will often have a field for the recipient's SWIFT code, and some banks auto-populate it once you enter the recipient's bank name and country.

If someone is sending you money and asks for your SWIFT code, you can give them CHASUS33 as a starting point. If the transfer fails or is delayed, Chase will contact you, and you can then call to get a more specific code for your account.

SWIFT codes versus routing numbers

A routing number is a nine-digit code used only for domestic transfers within the United States. A SWIFT code is an eight or eleven-character code used for international transfers. Chase has one main routing number (021000021) but multiple SWIFT codes depending on the branch and transfer type.

If you're wiring money domestically — from one U.S. bank account to another — you use a routing number. If money is crossing a border, you use a SWIFT code. Some international transfers also require an IBAN (International Bank Account Number), which is common in Europe but not used by U.S. banks.

What happens if you use the wrong SWIFT code

If you provide an incorrect SWIFT code, the transfer will usually be rejected or delayed. The sending bank's system may not recognize the code, or it may route the money to a different bank or processing center. In either case, the transfer doesn't complete immediately.

The money is not lost. Banks have procedures to trace transfers and return funds to the sender if they cannot be delivered. This process typically takes five to ten business days. To avoid the delay, confirm the SWIFT code with Chase before the sender initiates the transfer.

Chase SWIFT codes for specific situations

Chase maintains different SWIFT codes for different business lines and regions. For example, Chase Private Client, Chase Commercial Banking, and Chase Treasury Services each have their own codes. If you have a business account or a specialized account type, your SWIFT code may differ from the consumer code.

The code you need also depends on whether the transfer is coming into a checking account, savings account, or money market account. When in doubt, provide CHASUS33 and let Chase customer service confirm whether a different code is needed. They can also provide you with a written confirmation of the correct code, which you can share with the sender.

How to give someone your SWIFT code safely

SWIFT codes are public information — they're designed to be shared. Providing your SWIFT code to someone does not give them access to your account or allow them to withdraw money. They still need your full account number and other details to initiate a transfer, and even then, the transfer goes through the banking system, not directly from their hands to yours.

You can safely share your SWIFT code via email, text, or phone. If you're receiving a wire transfer, the sender will need your SWIFT code, your account number, and your name exactly as it appears on your account. Verify all three details before the sender initiates the transfer to prevent delays.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 works for most consumer Chase accounts, but some business accounts and specialized services use different codes. Call Chase to confirm the code for your specific account type before a large transfer.

Can I look up a SWIFT code online instead of calling Chase?

Yes, several free SWIFT code lookup websites exist, and they will show you CHASUS33 for Chase. However, these sites may not have the specific code for your branch or account type, so calling Chase is more reliable if you're unsure.

Do I need both a SWIFT code and an account number to receive a wire transfer?

Yes. The SWIFT code tells the sending bank which bank to use, and the account number tells Chase which account within the bank should receive the money. The sender needs both pieces of information.

How long does an international wire transfer take if I provide the correct SWIFT code?

International wire transfers typically take one to three business days once the sending bank processes them. The speed depends on the sending bank, the receiving bank, and whether the transfer crosses multiple time zones or currency conversions.

What if I'm sending money to a Chase account in another country?

Chase operates in multiple countries, and each country's Chase bank has its own SWIFT code. Ask the recipient for their bank's SWIFT code, or call Chase to ask for the code for Chase branches in that specific country.