Bank of America's SWIFT code is BOFAUS3N

Bank of America's SWIFT code is BOFAUS3N. This is the code you provide when someone outside the United States sends you money by wire transfer, or when you send money internationally from a Bank of America account. The code works the same way regardless of which Bank of America branch you use — it's a single identifier for the entire bank in the U.S. financial system.

SWIFT codes route international wire transfers through the global banking network. Without the correct code, your wire may be delayed, sent to the wrong bank, or rejected entirely. Bank of America uses BOFAUS3N for all incoming international wires to U.S. accounts, whether the account is checking, savings, or money market.

Key Takeaways

  • Bank of America's SWIFT code for incoming international wires is BOFAUS3N, and it applies to all U.S. Bank of America accounts.
  • You will also need your account number and routing number (021000021) when receiving an international wire, in addition to the SWIFT code.
  • The SWIFT code is different from a routing number — routing numbers are for domestic transfers, SWIFT codes are for international ones.
  • If you are sending money from Bank of America to another country, ask your bank which SWIFT code to use, because it may differ depending on the destination country.

What information to give someone sending you money

When someone abroad sends you a wire transfer, they will ask for your banking details. Provide them with all four pieces of information: your full name as it appears on your account, your Bank of America account number, the routing number 021000021, and the SWIFT code BOFAUS3N.

The sending bank will use the SWIFT code to identify Bank of America, then use your account number and routing number to deposit the money into your specific account. If any of these details are wrong, the wire may go to the wrong place or be returned. Double-check everything before you give it out, especially your account number.

SWIFT code versus routing number

A routing number identifies a specific bank branch or processing center within the United States. Bank of America's domestic routing number is 021000021. A SWIFT code identifies a bank in the international financial system and is used only for wires that cross borders.

If someone in the U.S. sends you money by wire, they use the routing number, not the SWIFT code. If someone outside the U.S. sends you money, they use the SWIFT code. The two numbers serve different purposes and are not interchangeable.

Sending money from Bank of America internationally

If you are sending money out of a Bank of America account to someone in another country, you will need the recipient's SWIFT code, not Bank of America's. Contact Bank of America directly or log into your online account to start an international wire — the bank will ask you for the recipient's details and will tell you which information you need.

Bank of America may charge a fee for outgoing international wires, and the amount can vary. The receiving bank may also charge a fee on their end. Exchange rates apply if you are converting U.S. dollars to another currency. Ask Bank of America about all costs before you send the wire.

Where to find Bank of America's SWIFT code

You can find BOFAUS3N on Bank of America's official website, in your account statements, or by calling Bank of America customer service at 1-800-432-1000. If you are unsure whether you have the right code, verify it directly with the bank rather than relying on a third-party website.

Some international wire forms have a field labeled "Bank code" or "BIC code" — these are the same as SWIFT code. Enter BOFAUS3N in any of these fields when sending money to Bank of America.

What happens after you receive an international wire

Once the wire arrives, Bank of America will deposit the funds into your account. The time this takes depends on the sending bank and the countries involved — it can range from one to five business days after the wire is sent. You will see a record of the deposit in your account history.

If the wire does not arrive within the expected timeframe, contact Bank of America with the sender's name, the amount, and the date it was sent. The bank can trace the wire and tell you where it is in the system. If the wire was sent to the wrong account by mistake, the bank can work with the other bank to recover it, though this process can take weeks.

Frequently Asked Questions

Do I need a SWIFT code to receive a domestic wire transfer?

No. For wire transfers within the United States, the sending bank uses your routing number (021000021 for Bank of America) and your account number. SWIFT codes are only for international wires.

Is BOFAUS3N the same for all Bank of America branches?

Yes. BOFAUS3N is the SWIFT code for Bank of America as a whole in the U.S. financial system. It does not change based on which branch you use or which state you live in.

What if I give someone the wrong SWIFT code?

The wire may be rejected by the receiving bank, delayed, or sent to the wrong financial institution. If this happens, contact the sending bank immediately and ask them to cancel or redirect the wire. Bank of America can also help trace a misdirected wire, though recovery can take time.

Can I use BOFAUS3N to send money out of Bank of America?

No. BOFAUS3N identifies Bank of America as the receiving bank. When you send money internationally from Bank of America, you provide the recipient's SWIFT code to Bank of America, not your own.