HSBC Bank USA, N.a. SWIFT/BIC code

MRMDUS33 – the SWIFT/BIC code of HSBC Bank USA, N.a.

MRMDUS33 and MRMDUS33XXX are two ways of writing the same SWIFT/BIC code, and both lead to HSBC Bank USA, N.a. in New York,ny. A SWIFT code tells every bank in the chain exactly which bank should receive the money, much like a postcode for banks. You will need it mainly when dealing with transfers between countries and payments in foreign currencies.

This page is meant to help anyone who sends money to an account at HSBC Bank USA, N.a. and wants to get the details right. The BIC names a bank or branch, never a single account.

Tracking a transfer to or from HSBC Bank USA, N.a.

There is no single delivery time: some arrive the same day or the next. Weekends and public holidays in the sending or receiving country can add a day or more. Extra checks on larger or unusual payments can also cause a delay.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the money has arrived.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt with the date and reference.

Which of the 16 codes of HSBC Bank USA, N.a. do you need?

With 16 codes, HSBC Bank USA, N.a. belongs to the banks that register separate codes for branches. The main code is MRMDUS33XXX.

In most cases there is no need to pick a branch: transfers sent to MRMDUS33XXX are routed within HSBC Bank USA, N.a. without problems. If you have been given a specific code, use it as it is rather than replacing it with the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Codes can change over time, so a code from an old document is not always valid.

Where our SWIFT data comes from

The directory on GoldexPay draws on publicly available sources and we update it periodically. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes are from our directory and may differ from what HSBC Bank USA, N.a. publishes.

Use this page as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with HSBC Bank USA, N.a.; we are a comparison site for money transfers. Found an error? Let us know through the contact page.

The US Dollar and what conversion costs you

United States uses the US Dollar. If you send another currency it gets converted at some point: by your bank, an intermediary or HSBC Bank USA, N.a. itself. There is rarely a separate line for that conversion.

Where the conversion happens has an effect on the final amount. Sending the money directly in USD often prevents a second conversion.

The USD rate changes constantly. For regular payments, a slightly better rate add up over a year.

What a transfer from HSBC Bank USA, N.a. abroad really costs

An international bank payment costs more than the listed fee. On top of a fixed fee, correspondent or intermediary banks can take a cut, and if the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

Many banks do not show their exchange rate markup as a cost. Check their rate against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. Before your next transfer, it is worth comparing what arrives via GoldexPay. You can still keep your account at HSBC Bank USA, N.a..

Protect yourself against fake payment requests

Stay wary if a contact unexpectedly asks you to send money to a different account abroad. That MRMDUS33 is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Scams also work the other way. Someone sends too much and asks you to refund the extra via a different route. Do not act before the money has really arrived and check with HSBC Bank USA, N.a. if anything seems off.

8 or 11 characters: MRMDUS33 versus MRMDUS33XXX

A BIC is built from a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that mark the location. In this case, the 8-character core is MRMDUS33.

XXX at the end of MRMDUS33XXX does not stand for a missing value or a mistake: it stands for the head office of HSBC Bank USA, N.a.. Some banking apps ask for 11 characters, in which case you can enter XXX behind MRMDUS33.

Leave out spaces when you enter MRMDUS33; the code is always written in one block. A single letter may route the money to a different institution.

Is MRMDUS33 still correct? How to check

The best place to find the right code remains paperwork issued by the bank. Check it with MRMDUS33 here and ask if anything does not match.

Mistakes in the SWIFT code tend to be annoying more than disastrous – usually the money comes back, minus fees and time lost. Remember the IBAN: a mistake there can be more difficult to correct than a wrong BIC.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a payee name check on the recipient adds an extra layer of safety. A small test payment is a sensible step for large sums.

Incoming international payments to HSBC Bank USA, N.a.

If you expect money from abroad, send the payer everything they need in one go. Give them your name as the bank knows it, your account number or IBAN, SWIFT code MRMDUS33XXX and your address.

Certain banks want the name and address of HSBC Bank USA, N.a. in New York,ny. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be lower than the amount sent. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.