Goldman Sachs and Co. LLC SWIFT/BIC code

What GOLDUS33 means for a payment to Goldman Sachs and Co. LLC

The 8-character code GOLDUS33 and the full code GOLDUS33XXX refer to one and the same institution: Goldman Sachs and Co. LLC in New York,ny, United States. A BIC has a single purpose: it ensures that an international payment reaches the right bank. In daily life you mostly see the code on invoices from abroad, in payment forms and on the account details that Goldman Sachs and Co. LLC provides.

This page is meant to help anyone who sends money to an account at Goldman Sachs and Co. LLC without mistakes. The SWIFT code on its own cannot identify an individual account holder; that is what the account number or IBAN .

Sending money abroad from Goldman Sachs and Co. LLC

What you pay for a payment abroad has several parts. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if currencies are converted the bank usually uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate that includes a margin. Check the rate you are offered against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives across providers. Using a transfer service does not mean leaving Goldman Sachs and Co. LLC.

GOLDUS33 or GOLDUS33XXX – which one to use?

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, these eight characters form GOLDUS33 – the version you usually see online.

The 11-character version has a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so GOLDUS33XXX and GOLDUS33 are interchangeable.

In practice the code is typed in capitals and without spaces. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

When will the money arrive at Goldman Sachs and Co. LLC?

How quickly a transfer arrives at Goldman Sachs and Co. LLC is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Extra checks by one of the banks can also cause a delay, regardless of the details.

If a transfer seems delayed, ask your bank about the tracking status and the transaction reference. Save your transfer receipt.

If a payment has not arrived after a few business days, the sender needs to start with the bank that sent it, not the receiving bank. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Protect yourself against fake payment requests

Fraudsters regularly send payment requests with changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about whether the request is genuine.

Verify new bank details through a separate channel like a call to a number from an earlier contract. Pressure and requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone claims to have sent more than agreed and wants you to return the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Incoming international payments to Goldman Sachs and Co. LLC

To receive an international payment at Goldman Sachs and Co. LLC, the person paying you has to have more than the SWIFT code. That means: your name as registered with Goldman Sachs and Co. LLC, your account number or IBAN, the SWIFT/BIC code GOLDUS33XXX and sometimes your address.

You can include Goldman Sachs and Co. LLC and New York,ny too, since some forms ask for it. A typo in the IBAN is more trouble than you might think, so copy the details from your online banking.

An incoming payment will not always land in full. Fees for incoming transfers differ per bank. For business payments, it is common to agree who bears the costs to avoid a shortfall.

How up to date is this code?

We collect bank codes from public sources and check our list from time to time. Institutions reorganise, change names and retire codes. The number of codes we show reflect what is in our directory.

Treat this page as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Goldman Sachs and Co. LLC, we only compare transfer services. If you notice something that is out of date, we welcome a short note.

Choosing between the 29 SWIFT codes of Goldman Sachs and Co. LLC

With 29 codes, Goldman Sachs and Co. LLC is one of the banks that use separate codes for parts of the organisation. The main code is GOLDUS33XXX.

Unless the recipient tells you otherwise, go with GOLDUS33XXX or its short form GOLDUS33. When you receive a branch code, stick to it rather than replacing it for the head office code.

The best way is to take the code straight from the recipient’s statement. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Is GOLDUS33 still correct? How to check

Ask the recipient to copy the bank details straight from their online banking. Compare that code with GOLDUS33 here and ask if anything does not match.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees for investigation. Do not forget the IBAN: an error there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app only tells you that the code exists, not that it is the right account. If your bank offers it, a name check on the recipient adds an extra layer of safety. A small test payment is worth it for a large first payment, even if it costs an extra fee.

US Dollar (USD) and conversion costs

The national currency in United States is the US Dollar (USD). Money sent in a different currency is converted into USD, and whoever converts it chooses the rate. Every conversion costs the amount.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Transferring the money directly in USD usually prevents a second conversion – as long as your own rate is good.

Exchange rates change during the day. For recurring payments, small differences in the rate add up over a year.