Jpmorgan Chase Bank, N.a. SWIFT/BIC code

CHASESM3 – the SWIFT/BIC code of Jpmorgan Chase Bank, N.a.

If an invoice shows CHASESM3 or CHASESM3XXX, it is the identical address for Jpmorgan Chase Bank, N.a. in Spain. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, a bit like a postal address for banks. In daily life you mostly come across the code on invoices from abroad, in your banking app and on the account details of Jpmorgan Chase Bank, N.a. customers.

On this page you can read how the code is put together, when it matters and which other details you need for a transfer to or from Jpmorgan Chase Bank, N.a.. The BIC identifies an institution, not a specific account, which is why you always need the account number too.

Paying into Jpmorgan Chase Bank, N.a. in EUR

The national currency of Spain is the Euro (EUR). If you send another currency has to be converted at some point: by your bank, an intermediary or Jpmorgan Chase Bank, N.a. itself. Each conversion costs the amount.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Sending the amount already in EUR often avoids a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR move during the day – some services let you fix a rate in advance. If you pay regularly, small differences in the rate make a real difference over time.

What to give a sender who pays you at Jpmorgan Chase Bank, N.a.

For a transfer from abroad into your account at Jpmorgan Chase Bank, N.a., the sender needs not just the SWIFT code. What they need is: the account holder’s name, IBAN or account number, CHASESM3XXX or CHASESM3 and often your home address.

Some sending banks want the name and address of Jpmorgan Chase Bank, N.a. in Madrid. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

What lands in your account can be lower than what was sent. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. Agree with the sender who pays which costs, especially for larger amounts.

About this information

We gather bank codes using public sources and check our list regularly. Banks reorganise, close branches and change codes – a directory can be a step behind. Counts and locations are from our own dataset and may differ from what Jpmorgan Chase Bank, N.a. publishes.

Use our data as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay is a comparison site and not affiliated with Jpmorgan Chase Bank, N.a.. Found outdated information? Tell us via our contact form and we will look into it.

What the XXX in CHASESM3XXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. Combined, these eight characters form CHASESM3, the code most people search for.

XXX at the end of CHASESM3XXX does not stand for a placeholder or an error: it stands for the head office of Jpmorgan Chase Bank, N.a.. Certain payment forms insist on 11 characters, in which case you can enter XXX after CHASESM3.

Do not add spaces when you type CHASESM3; the code is always written in one block. Pasting the code beats typing it by hand: a typo can point to another bank.

Euro transfers to Jpmorgan Chase Bank, N.a.: is a BIC needed?

Spain belongs to the SEPA area, where euro transfers follow common rules. When you send euros within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

You still need CHASESM3XXX when sending non-euro payments or money from outside the SEPA area. A few banks and apps still ask for the BIC out of habit; if so, fill in CHASESM3.

Euro payments within SEPA usually arrive by the next business day. Provided the payment stays in euros, the transfer is inexpensive.

Is CHASESM3 still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient. Compare that code with CHASESM3 on this page; if they differ, ask before you pay.

With a wrong code, the payment might be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the IBAN: an error there is harder to correct than a wrong code.

An automatic check by your bank merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check on the recipient gives an extra layer of safety. Sending a small amount first can be worth it for a large first payment, even if it costs an extra fee.

Head office or branch code at Jpmorgan Chase Bank, N.a.?

We have 2 SWIFT/BIC codes for Jpmorgan Chase Bank, N.a., spread over 1 locations. Next to the head office code CHASESM3XXX, there are codes for branches, departments or specific services.

For most incoming transfers, the head office code CHASESM3XXX works fine. When you receive a branch code, use it as it is instead of replacing it for the head office code.

The safest approach is to copy the code directly from the account holder’s bank details. Codes are sometimes changed or retired when banks reorganise.

How long does an international transfer to Jpmorgan Chase Bank, N.a. take?

How quickly a transfer arrives at Jpmorgan Chase Bank, N.a. is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or on weekends and holidays usually start the next business day. Occasionally a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, ask your bank about the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services usually provide a status in their app showing how far the payment has got.

The bank that sent the money is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Paying someone abroad from your Jpmorgan Chase Bank, N.a. account

When you send money to another country via Jpmorgan Chase Bank, N.a., the visible fee is only part of what you pay. There is the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare the total cost via GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving Jpmorgan Chase Bank, N.a..

Watch out for payment fraud

Be wary when a contact suddenly asks you to send money to another account abroad. The fact that CHASESM3 exists is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Verify changed bank details via a different channel like a call to a number from an earlier contract. Urgency or secrecy are red flags; a genuine business can wait for you to check. Already paid? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.