First Data Corporation SWIFT/BIC code

First Data Corporation SWIFT code: FDUSUS55

The 8-character code FDUSUS55 and the 11-character code FDUSUS55XXX refer to one and the same institution: First Data Corporation. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct institution. You will need it mainly when dealing with transfers between countries.

On this page you will find how the code means, when it matters and which other details you need for a transfer to or from First Data Corporation. The BIC identifies an institution, never a single account.

Where our SWIFT data comes from

We gather bank codes using publicly available data and update our list from time to time. Institutions reorganise, change names and retire codes – a directory can be a step behind. Counts and locations come from our directory and are not confirmed by First Data Corporation.

See the information here as a helpful check and rely on the recipient or First Data Corporation for the final confirmation. We are a comparison service and not affiliated with First Data Corporation. Spotted outdated information? Let us know via our contact form so we can correct it.

Changed bank details? Be careful

Fraudsters often use fake invoices with new bank details sent from what looks like a familiar address. That FDUSUS55 is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Always verify changed bank details through a phone call on a number you know, not one from the message. Urgency and secrecy are warning signs – a real supplier can wait a day. If money has already gone to the wrong account, call your bank right away.

Scams also target the receiver: someone sends more than agreed and asks you to refund the extra via a different route. Do not act before the money has really arrived.

Verifying the SWIFT code of First Data Corporation

Have the recipient send you the account details directly from a recent statement. Compare it against FDUSUS55 here.

An incorrect BIC may lead to delays, a payment being sent back or extra fees along the way. A mistake in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

Most online banking apps check the format of an IBAN. Some banks now compare the payee name against the account – do not ignore a mismatch warning. When you pay someone new, some people send a small amount first and wait for confirmation.

Paying someone abroad from your First Data Corporation account

If you transfer money to another country through First Data Corporation, the visible fee is rarely all of what you pay. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate.

Banks rarely show their exchange rate markup as a cost. A simple test: set the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often offer rates closer to the mid-market rate. On GoldexPay we compare the amount that arrives across services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at First Data Corporation.

Sending USD to First Data Corporation

United States uses the US Dollar. Money sent in a different currency is converted into USD before it reaches the account – and the bank that does it picks the rate. Each conversion eats into something, even when no fee is shown.

Where the conversion happens affects the final amount, since every bank sets its own rate. Often it is cheaper if you send USD straight away through a provider with a good rate rather than letting the receiving bank convert.

Rates for USD move during the day. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.

8 or 11 characters: FDUSUS55 versus FDUSUS55XXX

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code. The result is FDUSUS55, the short form of the code.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, so FDUSUS55XXX and FDUSUS55 are interchangeable.

Enter the code as one block, in capitals and without separators. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Tracking a transfer to or from First Data Corporation

A SWIFT payment typically takes one to a few business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Sometimes a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online so you can see how far the money has got.

Only the sending bank can request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

Getting paid from abroad into a First Data Corporation account

To receive a transfer from abroad at First Data Corporation, the person paying you needs not just the SWIFT code. The basics are: the account holder’s name, IBAN or account number, FDUSUS55XXX or FDUSUS55 and, for some countries, your postal address.

Some sending banks want the address of First Data Corporation in Greenwood Village,co; it does no harm to include it. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

Money from abroad does not always land in full. Fees for incoming transfers vary per bank. On invoices, you can state who bears the costs, so that nobody is left short.

Head office or branch code at First Data Corporation?

First Data Corporation has 2 separate SWIFT/BIC codes. Only one is the head office code; the others identify branches.

For the vast majority of payments to a private or business account, the head office code FDUSUS55XXX is the right choice. If you have been given a specific code, stick to it instead of swapping it for the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes can change over time, so do not rely on old paperwork.