Fidelity Bank SWIFT/BIC code

SWIFT/BIC code of Fidelity Bank

The 8-character code FITYUS33 and the 11-character code FITYUS33XXX refer to one and the same institution: Fidelity Bank in Atlanta,ga, United States. The code has a single purpose: it ensures that a cross-border transfer reaches the right bank. It comes up mostly when dealing with transfers between countries.

Further down we go through the practical side: receiving money at Fidelity Bank, sending money abroad and how to verify the code before you confirm a payment. The BIC identifies an institution, not a single account; the IBAN or account number does that.

Fidelity Bank: head office code versus branch codes

Our database contains 3 SWIFT/BIC codes for Fidelity Bank. Next to the head office code FITYUS33XXX, you will find codes for regional offices and specialised units.

For the vast majority of incoming transfers, the head office code FITYUS33XXX is what you need. Only use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

Not sure which code to use? Check with the recipient, or look at a recent statement from Fidelity Bank. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

What a transfer from Fidelity Bank abroad really costs

If you transfer money to another country from Fidelity Bank, the fee you see is rarely all of what you pay. On top of the transfer fee, banks in between can take a cut, and if currencies are converted, the bank often applies a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Compare the rate you are offered with the mid-market rate.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a bank. Before your next transfer, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean leaving Fidelity Bank: you simply pay the service from your account.

Verifying the SWIFT code of Fidelity Bank

The most reliable place for the correct BIC is paperwork issued by the bank. When the code you were given differs from FITYUS33 or FITYUS33XXX, do not guess – contact the recipient or Fidelity Bank.

If the code is wrong, the transfer might get stuck, be returned or cost extra. Remember the IBAN: an error there can be more difficult to undo than a wrong code.

A validity check in your banking app only confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Some banks now compare the name with the account – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for large sums.

US Dollar (USD) and conversion costs

The national currency in United States is the US Dollar (USD). A payment in a foreign currency will be exchanged into USD on its way to Fidelity Bank – and the bank that does it picks the rate. Every conversion eats into something – usually through the rate rather than a fee.

Who converts the money makes a difference: every bank has its own margin. Compare what USD the recipient gets with several providers.

The rate for USD changes constantly. For recurring payments, small differences in the rate make a real difference over time.

A note on our data

We collect bank codes from publicly available data and check our list regularly. Still, banks merge or retire codes, so information can be out of date. The number of codes on this page are based on our own data, not official figures from Fidelity Bank.

For any payment that matters, always check the BIC with Fidelity Bank or with the recipient. GoldexPay is not affiliated with Fidelity Bank, we only compare transfer services. Should you notice something that is out of date, we appreciate a short note via the contact page.

Changed bank details? Be careful

Fraudsters regularly send fake invoices with new bank details, sometimes in an email that looks completely genuine. The fact that FITYUS33 exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Check new bank details through a different channel, such as a phone number you already know. Watch out for time pressure, unusual wording or a sender address that is slightly off. When money has already gone to a fraudster, call your bank right away.

Scams also work the other way. Someone claims to have sent too much and asks you to refund the extra to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

FITYUS33 or FITYUS33XXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. In this case, the 8-character core is FITYUS33.

Most banks and apps accept both lengths. If yours asks for eleven characters, use FITYUS33XXX, otherwise FITYUS33 is fine.

As a rule the code is written in capitals, without spaces or dashes. Watch for O versus 0 or the letter I and the digit 1; they are easy to mix up.

Receiving money from abroad at Fidelity Bank

If you expect money from abroad, give the sender a complete set of details. Share the account holder’s name, the IBAN or account number, SWIFT code FITYUS33XXX and your address.

The sender’s bank may request the address of your bank; the head office in Atlanta,ga is usually fine. A mistake in the IBAN can be more trouble than it looks; copy them from your banking app rather than typing.

Money from abroad does not always arrive for the full amount. Fees for incoming transfers differ per bank. Make clear with the sender who pays which costs, especially for larger amounts.

How long does an international transfer to Fidelity Bank take?

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments may also add a delay.

If a transfer seems late, contact your bank for the status or the UETR so they can trace it along the chain. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the person who paid needs to contact the bank that sent it, not the receiving bank. On the receiving end, it helps to look at your statements to see a slightly lower amount because fees can reduce the amount.