Chase's SWIFT code is CHASUS33, but you may need a different code depending on which Chase branch handles your transfer

Chase Bank's primary SWIFT code is CHASUS33. This nine-character code identifies Chase in the international banking system and is what foreign banks use to route money to your Chase account. However, Chase operates multiple SWIFT codes for different purposes and locations — CHASUS33 is the most common one for general international transfers to consumer accounts, but some transfers may route through CHASUS33XXX (the full 11-character version) or other codes depending on the receiving branch.

When you send money out of Chase, you typically do not need to provide a SWIFT code — you are the sender, and your bank handles the routing. When you receive money from abroad, the sender's bank will ask for your SWIFT code, and CHASUS33 will work for most cases. The key is making sure the sender also has your full account number and the correct routing number for your specific Chase branch, since SWIFT codes alone are not enough to complete an international transfer.

Key Takeaways

  • Chase's main SWIFT code is CHASUS33, used by foreign banks to route incoming international transfers to your account.
  • You do not need to provide a SWIFT code when sending money out of Chase — your bank handles that part.
  • When receiving money from abroad, give the sender your SWIFT code, account number, and your Chase branch routing number.
  • Some Chase branches or transfer types may use different SWIFT codes, so confirm with Chase if a transfer is rejected or delayed.
  • SWIFT codes are different from routing numbers; both may be needed for an international transfer to complete.

When you need to provide your SWIFT code to someone sending you money

If someone outside the United States is sending you money to your Chase account, they will need your SWIFT code along with other banking details. Give them CHASUS33 as your SWIFT code. They will also need your full account number (the one printed on your Chase debit card or checks) and may ask for your routing number, which is a nine-digit code specific to your Chase branch location.

The sender's bank will use the SWIFT code to identify Chase as the receiving bank, then use your account number to deposit the funds into your specific account. If any of these details are wrong or incomplete, the transfer may be rejected or delayed. Before you give out your account number to someone, make sure you trust them and understand why they need it.

How SWIFT codes differ from routing numbers and why you might need both

A routing number is a nine-digit code that identifies a specific Chase branch within the United States banking system. A SWIFT code is an international identifier that tells foreign banks which bank to send money to. They serve different purposes and use different systems — routing numbers work only within the U.S., while SWIFT codes work across borders.

For an international wire transfer coming into your Chase account, the foreign bank needs both pieces of information: the SWIFT code (CHASUS33) to find Chase in the global system, and your routing number to direct the money to your specific branch. Your account number then ensures it lands in your account, not someone else's at the same branch. If you are unsure which routing number to provide, call your Chase branch directly or log into your Chase online account — the routing number is often listed there.

What to do if a transfer is rejected or delayed using CHASUS33

If a foreign bank tells you that a transfer using CHASUS33 was rejected or is stuck, the problem is usually not the SWIFT code itself but missing or incorrect supporting information. The most common issues are a wrong account number, a mismatched name on the account, or an incomplete routing number. Ask the sender to double-check all the details you provided and confirm that their bank has entered them correctly.

If the sender says their bank will not accept CHASUS33, contact Chase directly. Some international banks have outdated records or use older SWIFT codes, and Chase customer service can tell you whether a different code applies to your specific branch or account type. Delays of several days are normal for international transfers — funds typically take three to five business days to arrive even when everything is correct. If more than a week has passed, that is when to follow up with Chase.

How to find your routing number to give along with your SWIFT code

Your Chase routing number depends on which state your branch is in, since Chase uses different routing numbers for different regions. You can find it in several places: at the bottom left of your checks (the first set of numbers), in your Chase online account under account details, or by calling your local Chase branch. When you give someone your routing number, make sure you are giving them the number for the branch where your account is held, not a different Chase location.

Write down both your SWIFT code (CHASUS33) and your routing number together so you have them ready if someone asks. Some people also ask for a bank name and address — you can give them "Chase Bank" and your branch address, which you can find on your statements or by searching for your nearest Chase location online.

Sending money out of Chase to another country

When you initiate an international wire transfer from your Chase account, you do not need to know Chase's SWIFT code — you are the one sending, and Chase handles the routing on its end. Instead, you will need the SWIFT code of the bank where the money is going. The recipient should provide you with their bank's SWIFT code, their account number, and any other details their bank requires.

You can send an international wire through Chase online banking, by phone, or in person at a branch. Chase will charge a fee for outgoing international transfers, typically between $15 and $45 depending on the destination country and the amount. The transfer usually takes three to five business days, though some countries take longer. Ask Chase about the fee and expected delivery time before you confirm the transfer.

Frequently Asked Questions

Is CHASUS33 the same for all Chase accounts?

CHASUS33 works for most Chase consumer and business accounts in the United States. Some specialized accounts or older transfers may route through different codes, but CHASUS33 is the standard. If a transfer is rejected, contact Chase to confirm whether your account uses a different code.

Do I need to include the full 11-character SWIFT code or just the 8-character version?

Either works. CHASUS33 is the 8-character version, and CHASUS33XXX is the 11-character version with branch identifiers added. Most foreign banks accept the shorter version, but some may ask for the full 11-character code. If one does not work, try the other.

What if someone asks for a different Chase SWIFT code?

Chase has multiple SWIFT codes for different purposes and locations. If CHASUS33 does not work, call your Chase branch and tell them which country the money is coming from — they can tell you if a different code applies to your transfer.

How long does an international transfer take once the sender has my SWIFT code and account number?

Most international transfers take three to five business days after the sender's bank processes the transfer. Weekends and holidays add time. Some countries or banks take longer. The sender's bank can tell you how long they expect it to take on their end.

Can I receive money from abroad without giving out my full account number?

No. International transfers require your full account number so the money reaches your specific account. Only give your account number to people you trust, and make sure you understand why they need it before you share it.