Jpmorgan Chase Bank,n.a. SWIFT/BIC code

What CHASUSU2 means for a payment to Jpmorgan Chase Bank,n.a.

CHASUSU2 and CHASUSU2XXX are two ways of writing the same SWIFT/BIC code, and both lead to Jpmorgan Chase Bank,n.a. in New York,ny. The code does one job: it ensures that a cross-border transfer reaches the right bank. It comes up mainly for payments that cross a border or a currency.

We wrote this page to help people who sends money to an account at Jpmorgan Chase Bank,n.a. and wants to get the details right. Remember that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

Transfer times and tracking a payment to Jpmorgan Chase Bank,n.a.

There is no single answer for every transfer: some land within a day while others need several business days. Payments made late in the day or just before a weekend or public holiday usually start the next business day. Occasionally a bank wants to know about the purpose of a payment.

If the money is delayed, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace. On the receiving end, you can check your account for a partial amount because fees can reduce the amount.

Choosing between the 2 SWIFT codes of Jpmorgan Chase Bank,n.a.

Jpmorgan Chase Bank,n.a. has 2 separate SWIFT/BIC codes. One of them is the head office code; the rest belong to branches, and sometimes internal departments.

If nobody asks you for a branch code, go with CHASUSU2XXX. When you receive a specific code, stick to it rather than swapping it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to change than CHASUSU2XXX when a bank merges or closes offices.

US Dollar (USD) and conversion costs

The national currency of United States is the US Dollar (USD). If you send another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Jpmorgan Chase Bank,n.a. itself. Every conversion eats into the amount.

Who converts the money makes a difference. Check what USD the recipient gets with different providers.

Rates for USD move all the time – some services let you fix a rate in advance. For recurring payments, a slightly better rate make a real difference over a year.

International transfers from Jpmorgan Chase Bank,n.a.: the real cost

What you pay for a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. On top of the transfer fee, banks in between can take a cut, and when currencies are converted the bank often uses a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate as a cost, but you pay it all the same. An easy check: put the rate you get against the mid-market rate and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay compares these services side by side so you can see what actually arrives before you commit. You can still keep your account at Jpmorgan Chase Bank,n.a.; only the conversion and sending happen elsewhere.

Incoming international payments to Jpmorgan Chase Bank,n.a.

If you are waiting for a payment from another country, send the payer all details at once. Give them your name as the bank knows it, the IBAN or account number, SWIFT code CHASUSU2XXX and your address.

Their bank may request the address of your bank. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees, especially for larger amounts.

Watch out for payment fraud

Be alert if someone unexpectedly asks you to pay into another account or a bank in another country. A valid SWIFT code says nothing about whether the request is genuine.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Watch out for time pressure, unusual wording or a sender address that is slightly off. When money was sent to a fraudster, call your bank right away.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference. Wait until the money has really arrived and check with Jpmorgan Chase Bank,n.a. if anything seems off.

8 or 11 characters: CHASUSU2 versus CHASUSU2XXX

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, the next two give the country and the two after that indicate the location. Combined, those parts make up CHASUSU2.

The long version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so CHASUSU2XXX and CHASUSU2 are interchangeable.

Do not add spaces, dots when you type CHASUSU2. A single character may route the money to another bank, so copy it carefully.

A note on our data

The directory on GoldexPay is compiled from publicly available sources. Even so, banks merge, rename themselves or retire codes, so information can be out of date. The number of codes we show are based on our own data and not on information from Jpmorgan Chase Bank,n.a. itself.

Use this page as a starting point, not as the final word. GoldexPay is independent of Jpmorgan Chase Bank,n.a., we only compare transfer services. If you notice a mistake, we appreciate a message via the contact page.

Before you send: check the Jpmorgan Chase Bank,n.a. code

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have does not match CHASUSU2 or CHASUSU2XXX, stop and ask – contact the recipient or Jpmorgan Chase Bank,n.a..

Errors in the BIC tend to be costly rather than disastrous: often the payment comes back, minus fees. An error in the account number can be more serious because it can reach the wrong person; check it just as carefully.

A format check by your bank merely confirms that the code exists. Where available, a payee name check before sending adds an extra layer of safety. When you pay someone new, many people send a small test amount and wait for confirmation.