Aib Bank SWIFT/BIC code

Aib Bank SWIFT code: AIBKUS33

AIBKUS33 and AIBKUS33XXX are two spellings of the same SWIFT/BIC code, and both point to Aib Bank in New York,ny. 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. It comes up mostly for payments that cross a border and payments in foreign currencies.

On this page we explain how the code is put together, when you need it and which other details you need for a transfer to or from Aib Bank. A SWIFT code names an institution, not a specific account.

Before you send: check the Aib Bank code

Have the recipient copy their account details directly from a recent statement. Compare that code with AIBKUS33 on this page.

Errors in the BIC tend to be costly rather than fatal: often the payment comes back, minus fees. A mistake in the account number can be more serious because it can reach the wrong person; check it just as carefully.

An automatic check in your banking app merely tells you that the IBAN is valid. If your bank offers it, a payee name check before sending adds extra certainty. A small test payment is worth it for a large first payment.

International transfers from Aib Bank: the real cost

When you transfer money to another country via Aib Bank, the fee you see is only part of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup.

Banks rarely show the margin on the rate as a cost. A simple test: put the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth to compare the total cost on GoldexPay instead of going straight to your bank. You can always keep your account at Aib Bank to fund the transfer.

Changed bank details? Be careful

Scammers often use fake invoices containing new bank details sent from what looks like a familiar address. The fact that AIBKUS33 exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Always verify a change of bank details by phone. Pressure or requests to keep it quiet are red flags – a real supplier can wait a day. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to send back the difference abroad. Wait until the money is actually in your account.

About this information

The details on this page are taken from public sources which we refresh regularly. Still, banks merge, rename themselves or retire codes and our data may lag behind. The figures we show reflect our own data, not official figures from Aib Bank.

Treat our directory here as a helpful check. GoldexPay is independent of Aib Bank. If you notice something that is out of date, we welcome a short note via the contact page.

Aib Bank: head office code versus branch codes

Aib Bank uses 3 different SWIFT/BIC codes across 1 locations. Only one is the head office code, AIBKUS33XXX; the others belong to branches or departments, and sometimes internal departments.

If nobody asks you for a branch code, go with AIBKUS33XXX. If you have been given a branch code, stick to it instead of replacing it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Why Aib Bank has an 8- and an 11-character code

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. In this case, the 8-character core is AIBKUS33.

XXX at the end of AIBKUS33XXX does not stand for a missing value or an error: it stands for the head office of Aib Bank. Some banking apps insist on 11 characters, and then you can add XXX after AIBKUS33.

Do not add spaces when you enter AIBKUS33; the code is always written in one block. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Transfer times and tracking a payment to Aib Bank

How quickly a transfer reaches Aib Bank depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or just before a weekend or public holiday usually start the next business day. Extra checks on larger or unusual payments can also add a delay.

If a transfer seems late, ask your bank for the status or the UETR so they can trace it along the chain. Money transfer services usually provide a status online so you can see how far the payment has got.

If the money does not arrive after a few business days, the sender should start with their own bank rather than Aib Bank. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.

What to give a sender who pays you at Aib Bank

If you expect money from abroad, give the sender everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, SWIFT code AIBKUS33XXX and your address, which some banks require.

It helps to include Aib Bank and its city as well. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always arrive for the full amount. Fees for incoming transfers vary from bank to bank. On invoices, it is common to state how the fees are split to avoid a shortfall.

US Dollar (USD) and conversion costs

The national currency in United States is the US Dollar (USD). Money sent in a different currency is converted into USD, and whoever converts it chooses the rate. Each conversion costs the amount.

Who converts the money matters: every bank has its own margin. In many cases you pay less to send USD straight away via a provider that converts near the mid-market rate rather than letting the receiving bank convert.

The USD rate changes throughout the day and quotes are often valid only for a short time. On larger amounts, even seemingly small difference in the rate adds up quickly.