SWIFT/BIC codes in United States

Bank SWIFT codes for United States

On this page you find the SWIFT/BIC codes of 3498 institutions in United States – 5781 codes altogether. Each code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Search for the bank you need in the list and click through to see all codes we have and the details a transfer needs. The sections below explain the structure of the codes, what transfers cost and how to avoid mistakes.

Recognising a SWIFT code from United States

Every SWIFT/BIC code has eight or eleven characters, always in the same order. The first four letters stand for the bank, characters five and six are the country code and the next two give the location.

For banks in United States, characters five and six show the ISO country code of United States. When those two letters do not match United States, you are looking at a bank in another country, so check again.

An 11-character code adds three characters for a branch. In most cases the head office code is fine.

Most SWIFT codes in United States: Citadel Investment Group, L.l.c.

In our directory, Citadel Investment Group, L.l.c. holds the largest number of SWIFT/BIC codes in United States. The head office of Citadel Investment Group, L.l.c. uses CITGUS44XXX.

Practice differs in how many codes they register. Paying someone at Citadel Investment Group, L.l.c.? Go with CITGUS44XXX unless the recipient gives you a branch code.

Check the code before you pay

Ask the recipient to send you their bank details directly from a recent statement. If the code you have differs from our list, do not guess – contact the recipient or their bank.

Our SWIFT/BIC directory draws on publicly available sources. Banks merge, change names and retire codes. For a payment of any size, confirm the BIC with the recipient. GoldexPay is not a bank.

Watch out for invoices containing changed bank details. A real SWIFT code says nothing about whether a request is genuine.

Banks in United States beginning with the letter :letter

The letter filter narrows the list to banks from United States that begin with :letter to make searching quicker. The figures for United States on this page cover every bank we list, not just the ones under :letter.

Some banks appear under their official name rather than the name on their app or website. Try the full list for United States if you are not sure how the name is spelled.

International payments to United States and the BIC

United States is not part of the SEPA area, the European zone for uniform euro payments. Payments from abroad normally travel through the SWIFT network, and the BIC of the receiving bank is required.

Not all countries use the IBAN; in that case the local account number is used instead. Check with the recipient which details their bank needs for incoming international payments. International transfers can pass through one or more intermediary banks and fees can be taken along the way.

Bank or transfer service for United States?

When you transfer money to United States with a regular bank, the stated fee is only part of the cost. You pay a transfer fee, possibly fees from correspondent banks and, above all, the exchange rate markup when currencies differ.

That exchange rate margin is often the biggest cost item because it is hidden in the rate. An easy check: set the offered rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the rate. Before you send money to United States, it is worth to compare what arrives via GoldexPay rather than accepting the first rate you see.

What a sender needs to pay you in United States

For a transfer from abroad in United States, the person paying you has to have more than the SWIFT code. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

The code of your bank is in our list, yet the version on your own statement or in your banking app is leading. You can add the name and city of your bank because some forms have separate fields for it.

The amount you receive can be less than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. For business payments, agree how the fees are split.

Sending USD to United States

The currency in United States is the US Dollar (USD). Money sent in a different currency will be converted into USD, and whoever converts it chooses the rate.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Check what USD arrives with different services before choosing one. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

How long does a transfer to United States take?

How quickly money arrives in United States depends on a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Transfers sent after the cut-off time or on a weekend or public holiday often go out a business day later.

If the money is delayed, the sender should contact their own bank – the receiving bank often cannot see a payment that has not arrived. Save the payment confirmation until the recipient confirms; a bank needs it to start a trace.