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

Bank SWIFT codes for United States

For United States we have 5781 SWIFT/BIC codes from 3498 banks. Every code points to a bank or one of its branches.

Look for the recipient’s bank in the list and open its page for all codes we have and the details a transfer needs. Further down we explain how codes from United States are built, how to send money there without overpaying and how to check a code before you pay.

Paying in USD: what conversion costs you

Bank accounts in United States are usually held in USD. A payment in a foreign currency will be exchanged into USD before it reaches the account – and the bank that does it picks the rate.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Often you pay less if you send USD straight away through a provider 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.

Banks in United States starting with :letter

You are looking at a selection: only banks in United States whose name begins with :letter. The totals mentioned above still cover the whole country, not just this letter.

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

About our data and how to check a code

The most reliable place for the correct BIC remains paperwork issued by the bank. If the code you have does not match the code listed here, stop and ask – contact the recipient or their bank.

Our SWIFT/BIC directory is based on public sources. Institutions reorganise, change names and change codes. Treat our data as a starting point rather than the last word. GoldexPay is an independent comparison site.

Watch out for payment requests with a new account, especially when they come by email. A real SWIFT code tells you nothing about who owns the account – scammers use the codes of real banks.

How long does a transfer to United States take?

There is no single delivery time for payments to United States: some arrive within a day while others need several business days. Transfers sent late in the day or just before a weekend or public holiday usually start the next business day.

When a payment takes longer than expected, ask the sender to contact the sending bank for a trace; only the sending side can start an official trace. Money transfer services usually show tracking in their app, which makes it easier to see where the money is.

The cheapest way to send money to United States

What you pay for a transfer to United States has several parts, and the fee on your screen is only one of them. There is the transfer fee, sometimes fees from correspondent banks along the way and, most importantly, the margin on the exchange rate if the money is converted.

The real cost is often in the rate: banks convert at a rate with a margin built in. A simple test: put the offered rate against the mid-market rate and look at the difference.

For a lot of routes, a transfer service turns out to be less expensive than a bank. Before you send money to United States, it is worth to compare what arrives on GoldexPay.

What the letters in a United States BIC mean

A BIC is either 8 or 11 characters long and the parts always come in the same order. First comes four letters for the bank, then two letters for the country and two characters for the location.

In every code from United States, letters five and six show the ISO country code of United States, which makes these codes easy to recognise. When the country letters do not match United States, the code belongs to a bank somewhere else, so check again.

If the last three are XXX, it means the head office, and the 8-character version leads to the same place. Use a branch code just if the recipient’s bank asks for it; otherwise the head office code is the safe choice.

Paying a bank in United States from abroad

For United States you will almost always need a SWIFT/BIC code. Without the BIC, most banks will not send the transfer at all.

Not all countries use the IBAN. The recipient’s bank often has a list of required details for payments from abroad. Before it arrives, a transfer may go through intermediary banks.

The largest SWIFT network in United States: Citadel Investment Group, L.l.c.

Among the 3498 institutions we list, Citadel Investment Group, L.l.c. has the most SWIFT/BIC codes of all banks in United States. The head office of Citadel Investment Group, L.l.c. uses CITGUS44XXX and that code covers most payments.

How many codes a bank has tells you something about how it registers branches and services than about how big it is. Unless the recipient asks for a branch, the head office code CITGUS44XXX works for a payment to Citadel Investment Group, L.l.c..

What a sender needs to pay you in United States

A sender in another country needs a few details from you. That means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and sometimes your address.

Your bank’s code appears in the list on this page. Some sending banks also ask for your bank’s address, so keep it at hand.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Charges on incoming payments differ from bank to bank. Agree with the sender who pays which costs, especially for larger amounts.