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

Finding a SWIFT code in United States

This directory lists 3498 banks and other institutions in United States, with 5781 SWIFT/BIC codes in total. You will need such a code mostly for payments across borders, and especially for payments in foreign currencies.

Search for the bank you need in the list and click through to see the full list of codes and what else a transfer requires. The sections below explain how the codes work, what transfers cost and the checks worth doing before you send money.

The largest SWIFT network in United States: Citadel Investment Group, L.l.c.

Of the 3498 banks in United States, Citadel Investment Group, L.l.c. has the largest number of SWIFT codes. Its main office has CITGUS44XXX and that code covers most payments.

Banks differ in whether they register branch codes, so the count is not a ranking of size. Making a payment to Citadel Investment Group, L.l.c.? Use CITGUS44XXX unless a specific branch code is requested.

How long does a transfer to United States take?

There is no fixed delivery time for transfers to United States: many land within a day, others take several business days. Public holidays in United States or in the sending country can add extra days.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique transaction reference, the UETR that banks can use to see where the money is. Money transfer services often provide a status in their app.

Sending money to United States for less

An international bank payment to United States often costs more than you think. There is the transfer fee, possibly charges from intermediary banks along the way and, above all, the margin on the exchange rate when currencies differ.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. A simple test: set the offered rate against the mid-market rate and look at the difference.

Money transfer services frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares these providers side by side, showing what actually arrives in United States before you commit.

Why a transfer to United States needs a SWIFT code

United States is not part of the SEPA area, the European zone for uniform euro payments. International transfers to United States usually travel over the SWIFT network – which is why you need the BIC of the recipient’s bank.

In some countries, the account is identified by a domestic account number instead of an IBAN, sometimes with an extra bank or branch code. The recipient’s bank often has a list of required details for incoming international payments – follow them exactly. On the way to United States, a transfer can pass through intermediary banks that take a fee.

Receiving money in United States from abroad

When you are waiting for money from abroad on an account in United States, give the sender a complete set of details. Share your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Your bank’s code appears in our list. It helps to add the name and city of your bank as well.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Agree with the sender who covers the fees.

Check the code before you pay

The safest source for the BIC is the recipient’s own bank details. A wrong code may lead to a delay, a payment being sent back or extra fees – compare it with the code in our list.

Our SWIFT/BIC directory is based on public sources and is updated regularly. Banks reorganise, close branches and change codes – a directory can be a step behind. Use this list as a reference, not as the final word: the bank details from the recipient come first. We are a comparison site for money transfers, not a bank.

Be wary of invoices containing changed bank details, especially when they come by email. Before paying, confirm changed details through a separate channel, using a number you already had.

The US Dollar (USD) and conversion costs

The local currency of United States is the US Dollar (USD). If you send another currency, the amount has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Which bank converts the payment makes a difference. In many cases it is cheaper if you send USD directly via a provider with a good rate so the receiving bank does not need to convert again. Rates for USD change during the day.

SWIFT codes in United States: banks under :letter

Here you see a filtered list: only institutions in United States whose name begins with :letter. The totals mentioned here apply to all 3498 banks.

If the bank you need does not appear under :letter, check another letter. Try the full list for United States when you are not sure how the name is spelled.

Recognising a SWIFT code from United States

A SWIFT code is 8 or 11 characters long and the parts always come in the same order. The first four letters identify the bank, characters five and six are the country code and characters seven and eight mark the location.

Whatever the bank, every code from United States have the same fifth and sixth letters. A code with a different country code come from a bank abroad – a quick way to catch mistakes.

The last three characters, if present, identify a branch or department; XXX means the head office. In most cases the head office code is fine unless the recipient asks for a specific branch.