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

United States: banks and their SWIFT/BIC codes

This directory lists 3498 banks and other institutions in United States and 5781 SWIFT/BIC codes between them. A BIC shows every bank in the chain which institution is meant to get an international payment.

Search for the bank you need in the list and open its page for the full list of codes and what else a transfer requires. Further down we explain how codes from United States are built, how to send money to United States at a fair price and how to check a code before you pay.

How reliable is this list?

The safest source for a SWIFT code is the bank details provided by the recipient. An incorrect BIC can cause a delay, a returned payment or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes from publicly available data and check our list regularly. Institutions merge, change names and retire codes, and no directory catches every change immediately. Before any payment that matters, confirm the code with the recipient. GoldexPay is not a bank and has no link to the banks in this list.

Watch out for payment requests with changed bank details, especially when they come by email. Always confirm changed details through a separate channel on a number you know.

Citadel Investment Group, L.l.c. and its SWIFT codes

Citadel Investment Group, L.l.c. leads our list of United States banks when it comes to the number of SWIFT/BIC codes. The head office of Citadel Investment Group, L.l.c. has CITGUS44XXX.

A large number of codes usually reflects separate codes for branches, departments or services – it says nothing about the size of the bank as such. Paying someone at Citadel Investment Group, L.l.c.? Go with CITGUS44XXX unless a specific branch code is requested.

Banks in United States starting with :letter

This filter narrows the list down to banks from United States that begin with :letter. The totals on this page apply to every bank we list and not only this letter.

Bank not listed? Its official name may begin with another word, for example the full legal name rather than a brand name. The full overview for United States is available when you cannot find the bank here.

The cheapest way to send money to United States

When you transfer money to United States via your bank, the stated fee is rarely all of what you pay. On top of a fixed fee, intermediary banks can deduct a charge, and when the money is converted the bank often uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate – the bank builds a margin into its rate. An easy check: set the offered rate against the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service turns out to be cheaper than a bank, mainly because of the rate. On GoldexPay you can compare what recipients in United States receive across services, which makes the cheapest option easy to spot.

Recognising a SWIFT code from United States

Every SWIFT/BIC code consists of 8 or 11 characters in a fixed order. The first four letters stand for the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.

For banks in United States, characters five and six are the two-letter ISO code of United States. A code with other letters in that position belong to another country – a quick way to catch mistakes.

If the last three are XXX, it refers to the head office, and the 8-character version leads to the same place. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

Sending USD to United States

Most accounts in United States are usually held in USD, the local currency. If you send another currency, the amount has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Who converts the money makes a difference: every bank has its own margin. Often you pay less if you send USD straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. Rates for USD move during the day, so a quote is usually valid only briefly.

Tracking a payment to United States

How fast money reaches United States depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Payments made after the cut-off time or just before a weekend or public holiday usually start the next business day.

When a payment takes longer than expected, the sender should contact the sending bank. Keep the payment confirmation until the recipient confirms.

What a sender needs to pay you in United States

A sender in another country will ask for several details from you – incomplete details often cause delays. Share your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up your bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. Some banks also want the name and address of your bank; it does no harm to include it.

The amount you receive is often less than the amount sent. Fees for incoming transfers differ from bank to bank – your bank’s price list tells you what applies. On invoices, agree how the fees are split, so nobody is left short.

Why a transfer to United States needs a SWIFT code

United States is not part of the SEPA area, so European euro rules do not apply. Payments from abroad usually travel through the SWIFT network, and the BIC of the receiving bank is required.

Not all countries use IBAN numbers; in that case the local account number is used instead. Ask the recipient exactly which details their bank requires for incoming international payments; banks often publish instructions for this. International transfers sometimes go via one or more intermediary banks.