Capital One, N.a. SWIFT/BIC code

HIBKUSH1 – the SWIFT/BIC code of Capital One, N.a.

The 8-character code HIBKUSH1 and the full code HIBKUSH1XXX identify the same bank: Capital One, N.a.. A SWIFT code tells the banks handling a payment which institution should receive the money, much like a postcode for banks. It comes up mainly for payments that cross a border or a currency.

On this page you can read what the code means, when you need it and which other details you need for a transfer to or from Capital One, N.a.. A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

Is HIBKUSH1 still correct? How to check

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have does not match HIBKUSH1 or HIBKUSH1XXX, do not guess: check with the recipient or with Capital One, N.a. directly.

A wrong SWIFT code can cause delays, a returned payment or extra fees. An error in the account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

A format check in your banking app only tells you that the IBAN is valid. More and more banks compare the name with the account. Sending a small amount first is a sensible step for large sums despite the extra fee.

The US Dollar and what conversion costs you

The currency in United States is the US Dollar (USD). A payment in a foreign currency will be converted into USD before it reaches the account. Every conversion costs something – usually through the rate rather than a fee.

Who does the conversion affects how much arrives. Transferring the money directly in USD often prevents a second conversion by Capital One, N.a. – as long as your own rate is good.

Exchange rates change during the day – some services let you fix a rate in advance. On larger amounts, a small gap in the rate adds up quickly.

Changed bank details? Be careful

Be wary if a contact unexpectedly asks you to pay into a different account abroad. That HIBKUSH1 is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that contains the new account. Urgency and requests to keep it quiet are red flags. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Scams also work the other way: someone sends too much and asks you to return the difference. Do not act before the money is actually in your account and check with Capital One, N.a. if anything seems off.

Which of the 3 codes of Capital One, N.a. do you need?

Our database contains 3 SWIFT/BIC codes for Capital One, N.a. in 3 cities. Besides the head office code HIBKUSH1XXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use HIBKUSH1XXX or its short form HIBKUSH1. A branch code only makes sense if the account holder specifically mentions it.

Unsure which code applies? Check with the recipient or the bank itself. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

What to give a sender who pays you at Capital One, N.a.

To receive a transfer from abroad into your account at Capital One, N.a., the person paying you needs more than the BIC. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC HIBKUSH1XXX (or HIBKUSH1) and usually your address.

The sender’s bank may request the bank address of Capital One, N.a.; the head office in Houston,tx is usually fine. Check every detail before you share them.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments differ per bank – the price list of Capital One, N.a. tells you what applies. Make clear with the sender who pays which costs.

About this information

The codes here come from public sources. Even so, banks merge or change codes and our data may lag behind. The number of codes on this page reflect what is in our directory and not on information from Capital One, N.a. itself.

See our directory here as a handy check and rely on the recipient or Capital One, N.a. for the final confirmation. We are an independent comparison site for money transfers and not part of Capital One, N.a.. If you notice something that is out of date, we appreciate a message via the contact page.

How long does an international transfer to Capital One, N.a. take?

There is no fixed answer: some land within a day. Transfers sent late in the day or on a weekend or public holiday usually start a business day later. Extra checks by one of the banks can also add a delay, regardless of the details.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique transaction 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.

If the money does not arrive after a few business days, the person who paid should contact their own bank, not the receiving bank. As a recipient, you can look at your account for a slightly lower amount because fees can reduce the amount.

8 or 11 characters: HIBKUSH1 versus HIBKUSH1XXX

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code. That gives you HIBKUSH1.

XXX at the end of HIBKUSH1XXX does not stand for a placeholder or an error: it stands for the main office of Capital One, N.a.. Certain payment forms ask for 11 characters, and then you can add XXX behind HIBKUSH1.

Enter the code in one piece, in upper case and without separators, exactly as shown here. A wrong letter can send the money to another bank, so check it twice.

Paying someone abroad from your Capital One, N.a. account

A bank transfer abroad can cost rather more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank often uses a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate separately – you only notice it if you compare. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. Next time you send money, it is worth comparing the total cost on GoldexPay instead of going straight to your bank. You can always use your account at Capital One, N.a. as the source of the money.