SWIFT/BIC codes in United States: banks starting with H

SWIFT/BIC codes in United States

In United States our database holds 5781 SWIFT/BIC codes. You will need a SWIFT/BIC code mostly for international transfers, and especially for payments in foreign currencies.

Each bank has its own page showing its main code and, where available, branch codes. The sections below covers how the codes work, the cost of transfers and the checks worth doing before you send money.

Sending USD to United States

United States pays in the US Dollar, code USD. When you pay another currency, it gets converted at some point – by your bank, a bank in between or the recipient’s bank.

Where the conversion happens affects the final amount, since every bank sets its own rate. Compare what USD the recipient gets with different providers; the difference between options can be larger than you expect. Exchange rates change all the time, so a quote is usually valid only briefly.

Receiving money in United States from abroad

If you expect a payment from another country on an account in United States, send the payer a complete set of details. That means: your name as your bank knows it, your IBAN or account number, the SWIFT/BIC code of your bank and sometimes your postal address.

The code of your bank is in the list on this page, yet the version on your own statement or in your banking app is leading. It helps to include the name and city of your bank as well.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers differ from bank to bank. For business payments, state how the fees are split.

When does money sent to United States arrive?

How quickly a payment reaches United States depends on several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made late in the day or on a weekend or public holiday usually go out the next business day.

When a payment takes longer than expected, ask the sender to contact their own bank for a trace. Keep the payment confirmation; a bank needs it to start a trace.

How SWIFT codes from United States are built

A SWIFT code is 8 or 11 characters long. The first four letters stand for the bank, characters five and six form the country code and the next two mark the location.

You can recognise a code from United States from the fifth and sixth characters – those always form the country code of United States. Codes with other letters in that position belong to a bank abroad.

An 11-character code adds a branch code. In most cases the head office code is fine unless the recipient asks for a specific branch.

Banks in United States beginning with the letter :letter

You are looking at a selection: only institutions in United States with a name starting with :letter. The totals mentioned above still refer to the whole country.

Bank not listed? Its official name might start with a different letter – think of the full legal name instead of the brand. Try the full list for United States if you are not sure how the name is spelled.

Check the code before you pay

Ask the recipient to copy their bank details directly from their online banking. An incorrect BIC may lead to delays, a returned payment or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes using publicly available data and check our list regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Treat our data as a starting point, not as the final word; the recipient’s bank details are leading. We are a comparison service and not part of any bank listed here.

Be wary of invoices with changed bank details. A real SWIFT code tells you nothing about who owns the account – scammers use the codes of real banks.

Most SWIFT codes in United States: Citadel Investment Group, L.l.c.

Among the 3498 institutions we list, Citadel Investment Group, L.l.c. has the largest number of SWIFT/BIC codes of all banks in United States. The head office of Citadel Investment Group, L.l.c. uses CITGUS44XXX.

The number of codes says something about how it registers branches and services than about how big it is. Paying someone at Citadel Investment Group, L.l.c.? Go with CITGUS44XXX unless a specific branch code is requested.

SWIFT transfers to United States

To pay into United States you will almost always need a SWIFT/BIC code – United States is not a SEPA country. Without the BIC, most banks will not process the transfer.

Depending on the country, accounts are identified by a domestic account number instead of an IBAN, sometimes with an extra bank or branch code. The receiving bank usually provides instructions for incoming international payments, and it is worth following them to the letter. On the way to United States, a transfer may pass through intermediary banks.

What a transfer to United States really costs

An international bank payment to United States often costs more than the fee suggests. On top of a fixed fee, intermediary banks may deduct a charge and, if currencies are converted, the bank usually applies a less favourable rate than the actual market rate.

The markup on the rate is often the biggest part of the cost, even though it is not listed as a fee. A simple test: put the offered rate next to the mid-market rate and look at the difference.

For many routes, a specialist provider is cheaper than a traditional bank transfer. Before your next transfer to United States, take a minute to compare what arrives via GoldexPay rather than accepting the first rate you see.