SWIFT/BIC codes in United States: banks starting with B

Finding a SWIFT code in United States

For United States we have 5781 SWIFT/BIC codes, spread over 3498 banks. You need a SWIFT/BIC code mostly for payments across borders.

Each bank has its own page with the head office code and if there are any, codes for branches and departments. The rest of this page covers how the codes work, what transfers cost and the checks worth doing before a payment.

Recognising a SWIFT code from United States

SWIFT/BIC codes use one international format: 8 characters plus an optional three-character extension. Characters one to four stand for the bank, the fifth and sixth characters are the country code and the next two mark the location.

No matter which bank, every code from United States share the same country code in positions five and six. When those two letters do not match United States, the code belongs to a bank in another country.

The optional last three characters identify a branch or department; XXX means the head office. For most transfers the head office code is what you need.

The US Dollar (USD) and conversion costs

Most accounts in United States are typically held in USD, the local currency. Money sent in a different currency is converted into USD on its way to the recipient, and whoever converts it chooses the rate.

Which bank converts the payment matters, because each party uses its own rate. Check what USD the recipient gets via different services. Rates for USD move during the day, so a quote is usually valid only briefly.

Receiving money in United States from abroad

For an international payment in United States, the person paying you needs not just the SWIFT code. Give them your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address, which some banks require.

Your bank’s code is in the list on this page, yet the version on your own statement or in your banking app is leading. Certain banks also ask for your bank’s address, so keep it at hand.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments vary per bank; check the price list of your bank. Agree with the sender who pays which costs before the money is sent.

Banks in United States beginning with the letter :letter

This page shows only banks in United States whose name starts with :letter in alphabetical order. The figures for United States mentioned here cover every bank we list.

If a bank does not appear under :letter, check the full list: banks are often registered under their full legal name. The complete list is available when the letter filter does not help.

Verifying a SWIFT code from United States

Have the recipient send you their bank details directly from their online banking. A wrong code can cause a delay, a payment being sent back or additional charges, so compare it with the list on this page.

This list is based on public sources that we update periodically. Still, banks merge, rename themselves or retire codes and our data may lag behind. Use our data as a reference, not as the final word. GoldexPay is a comparison site and not part of any bank listed here.

Scammers often use fake invoices carrying changed bank details. Before paying, verify a change of bank details by phone on a number you know.

Paying a bank in United States from abroad

Because United States is outside SEPA, a transfer from abroad is usually sent through SWIFT. That means you always need the BIC of the receiving bank in addition to the account details.

In some countries, accounts are identified by a local account number rather than an IBAN. The receiving bank often has a list of required details for payments from abroad, and it is worth following them to the letter. Before it arrives, a payment may go through correspondent banks that charge for their part.

Which bank in United States has the most codes?

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

The number of codes says more about how it organises its payments than about its size. Making a payment to Citadel Investment Group, L.l.c.? Use CITGUS44XXX except when a specific branch code is requested.

When does money sent to United States arrive?

How quickly money reaches United States depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Public holidays in United States or in the sending country can add extra days to the journey.

When a payment takes longer than expected, ask the sender to contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Save the payment confirmation.

What a transfer to United States really costs

An international bank payment to United States can cost more than you think. You pay the transfer fee, possibly fees from correspondent banks along the way and, most importantly, the exchange rate markup.

The real cost is often in the rate, rather than in the fee – the bank builds a margin into its rate. An easy check: set the offered rate next to the mid-market rate and look at the difference.

Specialised transfer providers often use a rate near the mid-market rate. GoldexPay compares the amount that arrives in United States across providers, which makes the cheapest option easy to spot.