International Bank For Reconstruction and Development SWIFT/BIC code

IBRDUS33 – the SWIFT/BIC code of International Bank For Reconstruction and Development

Whether you are given IBRDUS33 or IBRDUS33XXX, it is the same identifier for International Bank For Reconstruction and Development in United States. A SWIFT code shows the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. In practice you usually see the code on invoices from abroad, in payment forms and on the account details of International Bank For Reconstruction and Development customers.

This page is meant to help anyone who receives money at an account at International Bank For Reconstruction and Development. Remember that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

Which of the 2 codes of International Bank For Reconstruction and Development do you need?

With 2 codes in 1 locations, International Bank For Reconstruction and Development belongs to the banks that use separate codes for parts of the organisation and departments. The head office code remains IBRDUS33XXX.

In most cases there is no need to look up a branch: payments sent to IBRDUS33XXX reach International Bank For Reconstruction and Development without problems. Only use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

Not sure which code applies? Ask the recipient. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

How up to date is this code?

We collect SWIFT/BIC codes from public sources and update our list from time to time. Institutions reorganise, change names and retire codes. Figures such as the number of codes are from our directory and may differ from what International Bank For Reconstruction and Development publishes.

See our directory on this page as a helpful check. GoldexPay has no connection to International Bank For Reconstruction and Development. Found outdated information? Tell us through the contact page and we will look into it.

Tracking a transfer to or from International Bank For Reconstruction and Development

An international transfer usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or just before a weekend or public holiday often start a business day later. Extra checks by one of the banks may also cause a delay.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique reference, the UETR. Money transfer services often show tracking in their app so you can see how far the payment has got.

Only the sending bank can request a trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your account to see a partial amount because fees can reduce the amount.

US Dollar (USD) and conversion costs

Accounts at International Bank For Reconstruction and Development are typically held in USD, the national currency of United States. Money sent in a different currency will be converted into USD on its way to International Bank For Reconstruction and Development, and whoever converts it chooses the rate. Every conversion costs the amount – usually through the rate rather than a fee.

Which bank converts the payment matters: every bank has its own margin. Check what USD arrives with different services before choosing one.

The USD rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a request claiming that a company has new bank details and that the next payment should go there. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed payment details via a separate channel, never via the email that asked for the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. If money was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference to another account. Wait until the money has really arrived.

Sending money abroad from International Bank For Reconstruction and Development

An international bank payment costs rather more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Banks rarely show their exchange rate markup as a cost. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialised transfer providers often use rates closer to the mid-market rate. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets for the same amount sent. Using a transfer service does not mean closing your account at International Bank For Reconstruction and Development: you simply pay the service from your account.

Getting paid from abroad into a International Bank For Reconstruction and Development account

To receive a transfer from abroad at International Bank For Reconstruction and Development, the person paying you has to have not just the SWIFT code. Give them the account holder’s name, the IBAN or account number, the BIC IBRDUS33XXX and your address.

Some banks also ask for the name and address of International Bank For Reconstruction and Development. Check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, you can state how the fees are split to avoid a shortfall.

8 or 11 characters: IBRDUS33 versus IBRDUS33XXX

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. That gives you IBRDUS33, the short form of the code.

The long version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why IBRDUS33XXX and IBRDUS33 lead to the same place.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Copying the code beats retyping it: a typo can point to another bank.

How to check IBRDUS33 before you pay

Have the recipient copy their bank details directly from a recent statement. If the code you have does not match IBRDUS33 or IBRDUS33XXX, stop and ask.

A wrong SWIFT code can cause delays, a returned payment or additional charges along the way. Remember the IBAN: an error there is more difficult to correct than a wrong code.

Most online banking apps validate the format of IBANs – that confirms the format, not the owner. Some banks now check the name with the account before you confirm; take any warning seriously. Sending a small amount first is worth it for a large first payment.