Comerica Bank SWIFT/BIC code

SWIFT/BIC code of Comerica Bank

The short code MNBDUS4D and the 11-character code MNBDUS4DXXX identify the same bank: Comerica Bank. A SWIFT code tells the sending bank exactly which bank should receive the money. It comes up mostly for transfers between countries or a currency.

Below you will find the practical questions: receiving money at Comerica Bank, sending money abroad and how to verify a SWIFT code before you hit send. Remember that the SWIFT code just identifies the bank, not the person: the IBAN or account number does that part.

How long does an international transfer to Comerica Bank take?

How fast a transfer arrives at Comerica Bank depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent late in the day or just before weekends and holidays usually start the next business day. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, contact your bank for the status; with that reference banks can see where the payment is. Money transfer services usually provide a status online so you can see where the money has got.

If the money does not arrive within the expected time, the person who paid should start with the bank that sent it. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Scams that use SWIFT codes

Stay wary if someone suddenly wants you to send money to a different account or a bank in another country. That MNBDUS4D is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Check changed payment details through a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. When money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference. A payment confirmation from the sender is no proof – check your own account.

A note on our data

The codes on this page are taken from public sources which we refresh regularly. It is possible that information on this page is no longer current after a merger or reorganisation. The number of codes on this page reflect what is in our directory, not official figures from Comerica Bank.

Treat our directory on this page as a helpful check and rely on the recipient or Comerica Bank for the final confirmation. We are a comparison service and not affiliated with Comerica Bank. If you notice a mistake, we appreciate a message via the contact page.

Receiving money from abroad at Comerica Bank

For a transfer from abroad into your account at Comerica Bank, the person paying you needs not just the BIC. That means: your full name as registered with Comerica Bank, your IBAN or account number, the SWIFT/BIC code MNBDUS4DXXX and, often, your postal address.

Their bank may request the address of your bank. Check every detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. On invoices, it is common to state who bears the costs, so that nobody is left short.

Which of the 9 codes of Comerica Bank do you need?

Comerica Bank uses 9 separate SWIFT/BIC codes across 6 locations. Only one is the head office code, MNBDUS4DXXX; the rest belong to branches or departments, and sometimes specific services.

Usually there is no need to look up a branch: transfers sent to MNBDUS4DXXX reach Comerica Bank without problems. If you have been given a specific code, stick to it rather than swapping it for the head office code.

The safest approach is to copy the code straight from the account holder’s bank details. Codes for branches are more prone to be retired than MNBDUS4DXXX when a bank merges or closes offices.

Before you send: check the Comerica Bank code

The most reliable source for a SWIFT code is the bank details provided by the recipient. Check it against MNBDUS4D on this page and ask if anything does not match.

Mistakes in the BIC are costly more than disastrous. Remember the account number: a mistake there is more difficult to correct than a wrong BIC.

A validity check by your bank only tells you that the code exists. More and more banks check the name with the account before you confirm. When you pay someone new, some people start with a small test amount before sending the rest.

Paying into Comerica Bank in USD

Accounts at Comerica Bank are typically held in USD, the national currency. If you send money in a different currency it gets converted at some point – by your bank, by Comerica Bank or by a bank in between. There is rarely a separate line for that conversion.

Who converts the money makes a difference: every bank has its own margin. Compare what USD the recipient gets via several services before choosing one.

Exchange rates change all the time. If you pay regularly, a slightly better rate add up over time.

8 or 11 characters: MNBDUS4D versus MNBDUS4DXXX

A BIC is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that indicate the location. That gives you MNBDUS4D, the short form of the code.

XXX at the end of MNBDUS4DXXX is not a placeholder or an error: it stands for the head office of Comerica Bank. Certain payment forms insist on 11 characters, in which case you can enter XXX after MNBDUS4D.

In practice the code is typed in capitals, without spaces or dashes. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

What a transfer from Comerica Bank abroad really costs

When you transfer money abroad through Comerica Bank, the fee you see is only part of the cost. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

Many banks do not show their exchange rate markup separately. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets for the same amount sent. You can always use your account at Comerica Bank.