Dow Chemical Company, The SWIFT/BIC code

DOWCUS33 – the SWIFT/BIC code of Dow Chemical Company, The

If an invoice shows DOWCUS33 or DOWCUS33XXX, it is the same address for Dow Chemical Company, The in United States. Banks worldwide use BIC codes to route payments between countries to the correct bank. It comes up mainly for transfers between countries or a currency.

On this page you will find what the code means, when it matters and which other details a transfer to or from Dow Chemical Company, The requires. The BIC identifies a bank or branch, not a specific account, which is why you always need the account number too.

Getting paid from abroad into a Dow Chemical Company, The account

Someone abroad who wants to pay you needs several details from you. The basics are: the account holder’s name, account number or IBAN, DOWCUS33XXX or DOWCUS33 and, for some countries, your home address.

Certain sending banks want the address of Dow Chemical Company, The; it does no harm to include it. A typo in your account number is harder to fix than it looks; copy them from your banking app rather than typing.

What lands in your account is often less than what was sent. Charges on incoming payments differ from bank to bank; check the price list of Dow Chemical Company, The. On invoices, you can agree how the fees are split.

Paying someone abroad from your Dow Chemical Company, The account

An international bank payment costs more than the listed fee. On top of a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency, the bank usually uses a rate below the actual market rate.

Many banks do not list the margin on the rate as a cost, but you pay it all the same. Compare their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets for the same amount sent. You can still keep your account at Dow Chemical Company, The as the source of the money.

Why Dow Chemical Company, The has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, characters five and six show the country and the two after that mark the location. In this case, that core is DOWCUS33.

The long version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

Type the code in one piece, in upper case and without spaces, exactly as shown here. Look out for O versus 0 or the letter I and the digit 1; they are easy to mix up.

How to check DOWCUS33 before you pay

Have the recipient copy the account details straight from a recent statement. Check it against DOWCUS33 on this page.

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

A format check by your bank only tells you that the code exists. If your bank offers it, a name check before sending adds extra certainty. A small test payment can be worth it for a large first payment despite the extra fee.

Paying into Dow Chemical Company, The in USD

Accounts at Dow Chemical Company, The are typically held in USD, the national currency of United States. A payment in a foreign currency will be exchanged into USD – and the bank that does it picks the rate. Each conversion costs something, even when no fee is shown.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Often you pay less to send USD straight away through a transfer service that converts near the mid-market rate.

The USD rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, even small difference in the rate can be worth more than the fee.

About this information

We gather bank codes using public sources and check them from time to time. Still, banks merge, rename themselves or retire codes, so information can be out of date. The number of codes we show are based on our own data, not official figures from Dow Chemical Company, The.

See our directory on this page as a helpful check. GoldexPay has no connection to Dow Chemical Company, The, we only compare transfer services. Spotted an error? Tell us through the contact page so we can correct it.

When will the money arrive at Dow Chemical Company, The?

A SWIFT payment usually takes one to a few 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 the next business day. Compliance checks by one of the banks can also cause a delay, even when all details are correct.

If the money seems delayed, ask your bank about the status so they can trace it along the chain. Specialist transfer services usually provide tracking in their app showing where the money is.

If a payment has not arrived within the expected time, the person who paid needs to contact the bank that sent it, not the receiving bank. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Dow Chemical Company, The: head office code versus branch codes

Dow Chemical Company, The uses 2 separate SWIFT/BIC codes across 1 cities. Only one is the head office code, DOWCUS33XXX; the others identify branches.

If nobody asks you for a branch code, go with DOWCUS33XXX. Just use a branch code when your contact gives you that exact code.

The safest route is to copy the code straight from the account holder’s invoice. Branch codes are more prone to change than DOWCUS33XXX when a bank merges or closes offices.

Watch out for payment fraud

A common scam goes like this: you receive a message claiming that a supplier has a new bank account. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Never trust contact details in the same message that contains the new account. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver: someone sends more than agreed and wants you to return the difference via a different route. Wait until the money has really arrived.