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

United States: banks and their SWIFT/BIC codes

Here you will find codes for 3498 institutions in United States. You need a SWIFT/BIC code mostly for payments across borders, and especially for payments in foreign currencies.

Search for the bank you need below and open its page for the full list of codes and the details a transfer needs. The rest of this page covers how the codes work, what transfers cost and how to avoid mistakes.

When does money sent to United States arrive?

How fast a payment reaches United States is determined by several factors: which currency you send, the number of banks in between, cut-off times and time zones. Payments made late in the day or just before a weekend or public holiday often go out the next business day.

Many banks use SWIFT gpi. Each gpi transfer gets a unique transaction reference, the UETR that banks can use to see where the money is. Money transfer services often show a status online.

Incoming international payments in United States

For an international payment into a United States account, the sender has to have not just the BIC. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address.

Your bank’s code appears in the list on this page. You can add the name and city of your bank as well, since some payment forms ask for it.

Expect that the incoming amount is below what the sender paid. Fees for incoming transfers vary per bank; check the price list of your bank. Make clear with the sender who covers the fees before the money is sent.

About our data and how to check a code

The best place to find the correct BIC is a document from the bank itself. An incorrect BIC may lead to a delay, a payment being sent back or additional charges, so compare it with the list on this page.

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Institutions merge, close branches and retire codes – a directory can be a step behind. For a payment of any size, check the code with the recipient’s bank. We are an independent comparison site for money transfers and not part of any bank listed here.

Be wary of invoices containing changed bank details, especially when they come by email. A real SWIFT code tells you nothing about who owns the account.

Banks in United States beginning with the letter :letter

Here you see a selection: only banks in United States with a name starting with :letter. The totals mentioned above still cover all banks in United States.

Many institutions are listed under their legal name, which may start with words like Bank or Banco. Try the full list for United States when you are not sure how the name is spelled.

What a transfer to United States really costs

The price of a transfer to United States is made up of more than one component. You pay the transfer fee, possibly fees from correspondent banks and, above all, the exchange rate markup.

The markup on the rate is often the largest part of the cost. An easy check: put the offered rate against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay lists transfer services side by side, showing what actually arrives in United States.

Paying a bank in United States from abroad

Because United States is outside SEPA, an international payment normally goes through SWIFT. This means you always need the SWIFT/BIC code of the receiving bank, together with the account number or IBAN.

Not every country uses the IBAN. The receiving bank often has a list of required details for payments from abroad – follow them exactly. International transfers can pass through one or more intermediary banks, each of which may deduct a fee.

The US Dollar (USD) and conversion costs

The currency of United States is the US Dollar (USD). Money sent in a different currency will be converted into USD before it reaches the account.

Which bank converts the payment matters, because each party uses its own rate. Often it is cheaper to send USD straight away through a transfer service with a good rate so the receiving bank does not need to convert again. Exchange rates move during the day, so a quote is usually valid only briefly.

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 SWIFT/BIC codes. The head office of Citadel Investment Group, L.l.c. has CITGUS44XXX; that is usually the right code for a transfer.

The number of codes tells you something about how it registers branches and services than about how big it is. Unless a branch code is given, CITGUS44XXX is fine for a payment to Citadel Investment Group, L.l.c..

The structure of a United States SWIFT/BIC code

SWIFT/BIC codes use one international format: 8 characters plus an optional three-character extension. It starts with a four-letter bank code, followed by two letters for the country and a two-character location code.

You can spot a bank code from United States from the fifth and sixth characters – those always form the country code of United States. If those two letters do not match United States, the code belongs to a bank in another country, so check again.

The optional last three characters identify a branch or department; XXX means the head office. Choose a branch code only if the recipient’s bank asks for it – otherwise stick with the head office.