BNP Paribas USA SWIFT/BIC code

BNPAUS44 – the SWIFT/BIC code of BNP Paribas USA

BNPAUS44 and BNPAUS44XXX are two spellings of the same SWIFT/BIC code, and both point to BNP Paribas USA in Chicago,il. A BIC does one job: it ensures that an international payment reaches the right bank. You will need it mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page we explain how the code means, when it matters and which other details a transfer to or from BNP Paribas USA requires. Remember that the BIC only identifies the bank, not the account: the IBAN or account number does that part.

Is BNPAUS44 still correct? How to check

The best place to find the right code remains a document from the bank itself like a bank statement or the account page in online banking. Compare it against BNPAUS44 here; if they differ, ask before you pay.

If the code is wrong, the transfer might be delayed, be returned or end up costing more, and tracing it can take weeks. An error in the IBAN or account number is more serious, because the money may be credited to someone else, so check that just as carefully.

Many banking apps check the format of an IBAN and some suggest the matching BIC. Some banks now compare the payee name with the account before you confirm; take any warning seriously. For a first payment, many people send a small amount first before sending the rest.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a message claiming that a supplier has new bank details and asking you to pay there from now on. The fact that BNPAUS44 exists does not mean that the account is genuine; criminals use the codes of real banks too.

Do not trust contact details in the same message that contains the new account. Watch out for time pressure, unusual wording or an email address that differs by one letter. If money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer proves nothing.

US Dollar (USD) and conversion costs

Most accounts at BNP Paribas USA are typically held in USD, the local currency of United States. A payment in a foreign currency is converted into USD on its way to BNP Paribas USA – and the bank that does it picks the rate. There is rarely a separate charge for the conversion.

Which bank converts the payment makes a difference, because each party uses its own rate. Sending the amount already in USD often avoids a second conversion at the receiving end, provided the rate you get is fair.

Exchange rates move during the day – some services let you fix a rate in advance. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

How up to date is this code?

Our SWIFT/BIC directory is based on public sources and we update it periodically. Banks merge, change names and retire codes, and a directory never catches every change immediately. The number of codes on this page reflect what is in our directory and not on information from BNP Paribas USA itself.

Treat the information on this page as a handy check and rely on the recipient or BNP Paribas USA for the final confirmation. GoldexPay has no connection to BNP Paribas USA, we only compare transfer services. Found outdated information? Let us know through the contact page.

Head office or branch code at BNP Paribas USA?

With 2 codes in 2 cities, BNP Paribas USA is one of the banks that register individual codes for branches. The main code is BNPAUS44XXX.

In most cases you do not need to pick a branch: transfers addressed to BNPAUS44XXX reach BNP Paribas USA without problems. Just use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time.

Sending money abroad from BNP Paribas USA

The price of an international transfer is made up of several parts, and the transfer fee is only the most visible one. Besides the transfer fee, banks in between can take a cut, and if the money changes currency the bank usually applies a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. Check their rate with the mid-market rate. The difference is your real conversion cost.

Money transfer services often offer rates closer to the mid-market rate and lower fees. GoldexPay lists these services next to each other so you can see what actually arrives before you commit. Choosing a specialist does not require leaving BNP Paribas USA: you simply pay the service from your account.

What the XXX in BNPAUS44XXX means

The structure of a BIC never changes: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. Together, those parts form BNPAUS44.

Many payment forms accept both lengths. If yours requires eleven characters, use BNPAUS44XXX.

Type the code as one block, in upper case and without spaces, exactly as shown here. Copying the code is safer than retyping it.

When will the money arrive at BNP Paribas USA?

How quickly a transfer arrives at BNP Paribas USA is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on weekends and holidays often go out the next business day. Extra checks on larger or unusual payments may also add some delay, even when all details are correct.

Many banks are connected to SWIFT gpi. Each payment gets a unique reference, the UETR. Specialist transfer services usually show tracking online showing how far the payment is.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. Ask the sender for the payment receipt including the reference.

Getting paid from abroad into a BNP Paribas USA account

Someone abroad who wants to pay you needs a few details from you, and missing ones are a common cause of delays. Share your name as the bank knows it, the IBAN or account number, SWIFT code BNPAUS44XXX and your address.

Certain sending banks also ask for the name and address of BNP Paribas USA in Chicago,il. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Money from abroad does not always arrive for the full amount. Charges on incoming payments vary per bank – the price list of BNP Paribas USA tells you what applies. Make clear with the sender who covers the fees before the money is sent.