Fannie Mae SWIFT/BIC code

FMAEUS33 – the SWIFT/BIC code of Fannie Mae

Whether a recipient gives you FMAEUS33 or FMAEUS33XXX, it is the identical address for Fannie Mae in United States. A BIC has a single purpose: it ensures that money from abroad reaches the right bank. In daily life you mostly see the code on international invoices, in payment forms and in the bank details of Fannie Mae customers.

Further down we go through the practical questions: receiving money at Fannie Mae, sending money abroad and how to verify a SWIFT code before you hit send. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN does that part.

The US Dollar and what conversion costs you

Accounts at Fannie Mae are typically held in USD, the national currency. If you send another currency gets converted somewhere along the way: by your bank, an intermediary or Fannie Mae itself. Each conversion eats into something – usually through the rate rather than a fee.

Which bank converts the money makes a difference. Often you pay less to send USD directly via a provider that converts near the mid-market rate rather than letting the receiving bank convert.

The USD rate changes throughout the day. On larger amounts, even small difference in the rate adds up quickly.

About this information

The directory on GoldexPay is based on publicly available sources and we update it periodically. Banks merge, change names and change codes. Figures such as the number of codes are from our own dataset and may differ from what Fannie Mae publishes.

For a payment that matters, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Fannie Mae. Should you notice a mistake, we welcome a message via the contact page.

Changed bank details? Be careful

Criminals regularly use fake invoices with changed bank details. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not trust a phone number from the same email that announces the new account. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If money has already gone 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 an overpayment followed by a request to refund the difference to another account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Paying someone abroad from your Fannie Mae account

If you send money abroad via Fannie Mae, the visible fee is rarely all of what you pay. Besides a fixed fee, banks in between may take a cut, and when the money changes currency, the bank often applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate against the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth to compare what arrives via GoldexPay instead of going straight to your bank. Using a transfer service does not mean leaving Fannie Mae.

Fannie Mae: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Fannie Mae. Next to the head office code FMAEUS33XXX, there are codes for individual branches and departments.

If nobody asks you for a branch code, use FMAEUS33XXX or its short form FMAEUS33. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than FMAEUS33XXX when a bank merges or closes offices.

How long does an international transfer to Fannie Mae take?

How quickly a transfer arrives at Fannie Mae depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country add a day or more. Compliance checks by one of the banks can also cause a delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Every payment gets a unique reference, the UETR. Save your transfer receipt until the money has arrived – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid needs to contact the bank that sent it rather than Fannie Mae. On the receiving end, you can look at your statements for a partial amount, since fees may have been deducted.

Before you send: check the Fannie Mae code

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have differs from FMAEUS33 or FMAEUS33XXX, stop and ask: check with the recipient or with Fannie Mae directly.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees along the way. Do not forget the account number: an error there can be harder to correct than a wrong BIC.

Most online banking apps check the structure of IBANs and some suggest the matching BIC. Where available, a name check on the recipient adds an extra layer of safety. A small test payment is worth it for large sums, even if it costs an extra fee.

8 or 11 characters: FMAEUS33 versus FMAEUS33XXX

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. That gives you FMAEUS33.

Many payment forms accept both lengths. If yours requires eleven characters, enter FMAEUS33XXX; if it wants eight, use FMAEUS33.

Type the code in one piece, in capitals and without separators. Watch for O versus 0 or the letter I and the digit 1.

Incoming international payments to Fannie Mae

A sender in another country needs a few details about your account. Share your name as the bank knows it, your account number or IBAN, the BIC FMAEUS33XXX and your address.

The sender’s bank may request the bank address of Fannie Mae. Check the details before you send them, because the sender’s bank usually copies them as is.

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 Fannie Mae tells you what applies. For business payments, it is common to state who bears the costs.