BNP Paribas U.s.a - New York Branch SWIFT/BIC code

SWIFT/BIC code of BNP Paribas U.s.a - New York Branch

Whether you are given BNPAUS3N or BNPAUS3NXXX, you are looking at the identical identifier for BNP Paribas U.s.a - New York Branch in United States. Every bank on the SWIFT network uses BIC codes to route international transfers to the right institution. You will need it mainly for transfers between countries and payments in foreign currencies.

On this page we explain what the code means, when you need it and what else you need for a transfer to or from BNP Paribas U.s.a - New York Branch. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN is for.

Getting paid from abroad into a BNP Paribas U.s.a - New York Branch account

To receive a transfer from abroad into your account at BNP Paribas U.s.a - New York Branch, the person paying you has to have more than the SWIFT code. Share the account holder’s name, your account number or IBAN, the BIC BNPAUS3NXXX and your address.

You can add the bank name and New York,ny as well, because some payment forms have separate fields for them. Check the details before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always arrive for the full amount. Fees for incoming transfers vary per bank; check the price list of BNP Paribas U.s.a - New York Branch. For business payments, you can agree how the fees are split, so that nobody is left short.

How long does an international transfer to BNP Paribas U.s.a - New York Branch take?

An international transfer typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Sometimes a bank wants to know what the payment is for.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide tracking online so you can see how far the payment has got.

Only the sending bank is able to start an official trace or a recall. On the receiving end, it helps to check your statements to see a partial amount.

BNPAUS3N or BNPAUS3NXXX – which one to use?

The layout of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code. The result is BNPAUS3N.

The long version adds three more characters for a branch or department. If the last three are XXX, they simply mean the head office, so BNPAUS3NXXX and BNPAUS3N are interchangeable.

Do not add spaces when you type BNPAUS3N or BNPAUS3NXXX. A wrong character may route the money to another bank.

Protect yourself against fake payment requests

Fraudsters often use fake invoices with changed bank details, sometimes in an email that looks completely genuine. The fact that BNPAUS3N exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Check new bank details via a separate channel. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Acted too fast? Contact your bank straight away and have them start a recall; also report it to the police.

Fraud can also work the other way: someone claims to have sent too much and asks you to return the extra via a different route. Wait until the money has really arrived – ask BNP Paribas U.s.a - New York Branch if something looks wrong.

A note on our data

We collect SWIFT/BIC codes using public sources and update them regularly. Banks merge, close branches and retire codes, and a directory never catches every change immediately. The figures on this page reflect our own data, not official figures from BNP Paribas U.s.a - New York Branch.

Use our data as a starting point, not as the final word: the recipient’s bank details come first. We are a comparison service for money transfers and not affiliated with BNP Paribas U.s.a - New York Branch. If you notice something that is out of date, we appreciate a message via the contact page.

Head office or branch code at BNP Paribas U.s.a - New York Branch?

Our directory lists 10 SWIFT/BIC codes for BNP Paribas U.s.a - New York Branch in 2 cities. Besides the head office code BNPAUS3NXXX, there are codes for branches, departments or specific services.

In most cases you do not need to pick a branch: payments addressed to BNPAUS3NXXX reach BNP Paribas U.s.a - New York Branch correctly. When you receive a branch code, stick to it rather than replacing it for the head office code.

The safest approach is to take the code directly from the account holder’s invoice. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Is BNPAUS3N still correct? How to check

Ask the recipient to send you their account details directly from their banking app. Compare it against BNPAUS3N on this page and ask if anything does not match.

An incorrect BIC can cause delays, a payment being sent back or extra fees for investigation. An error in the account number can be more serious.

Many banking apps check the structure of an IBAN – that confirms the format, not the owner. Some banks now compare the name with the account; take any warning seriously. When you pay someone new, some people start with a small amount first before sending the rest.

US Dollar (USD) and conversion costs

Most accounts at BNP Paribas U.s.a - New York Branch are typically held in USD, the local currency of United States. If you send another currency, the amount has to be converted somewhere along the way. Every conversion costs something.

Which bank converts the payment matters: every bank has its own margin. Sending the money directly in USD often avoids an extra conversion.

Rates for USD move during the day. With bigger transfers, even seemingly small gap in the rate adds up quickly.

Paying someone abroad from your BNP Paribas U.s.a - New York Branch account

If you transfer money abroad from BNP Paribas U.s.a - New York Branch, the fee you see is only part of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate if the currency changes.

That exchange rate margin is often the biggest item, and it is easy to miss. Compare their rate with the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. On GoldexPay you can compare the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at BNP Paribas U.s.a - New York Branch.