Metropolitan Life Insurance Co SWIFT/BIC code

Metropolitan Life Insurance Co SWIFT code: MLICUS33

Whether you are given MLICUS33 or MLICUS33XXX, you are looking at the identical address for Metropolitan Life Insurance Co in United States. A BIC does one job: it makes sure that an international payment reaches the right bank. You will need it mainly for payments that cross a border or a currency.

This page is meant to help anyone who sends money to an account at Metropolitan Life Insurance Co without mistakes. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

US Dollar (USD) and conversion costs

United States uses the US Dollar (USD). If you send money in a different currency has to be converted at some point. Each conversion costs something – usually through the rate rather than a fee.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Compare how much USD arrives via different services.

Exchange rates move during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

Watch out for payment fraud

Stay wary when a contact suddenly wants you to pay into a different account or a bank in another country. That MLICUS33 is a real code is no guarantee that the account is legitimate.

Verify new bank details through a separate channel, never via the email that asked for the change. Urgency or requests to keep it quiet are warning signs – a real supplier can wait a day. If money was sent to a fraudster, contact your bank immediately.

Fraud can also work the other way: someone claims to have sent more than agreed and asks you to refund the difference. Do not act before the money is actually in your account and check with Metropolitan Life Insurance Co if anything seems off.

A note on our data

We gather bank codes from public sources and update our list from time to time. It is possible that information here is out of date. The figures on this page are based on what is in our directory.

For a payment of any size, check the code with Metropolitan Life Insurance Co or with the recipient. We are a comparison service and not part of Metropolitan Life Insurance Co. If you notice a mistake, we appreciate a message via the contact page.

Transfer times and tracking a payment to Metropolitan Life Insurance Co

How fast a payment reaches Metropolitan Life Insurance Co is determined by several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country can add extra days. Sometimes a bank asks what the payment is for.

Many banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online so you can see where the money has got.

If the money does not arrive after a few business days, the sender needs to start with the bank that sent it rather than Metropolitan Life Insurance Co. Ask the sender for a copy of the payment confirmation including the reference.

Head office or branch code at Metropolitan Life Insurance Co?

Metropolitan Life Insurance Co has 3 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the others belong to branches.

If nobody asks you for a branch code, go with MLICUS33XXX or its short form MLICUS33. When you receive a specific code, stick to it instead of replacing it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise, so a code from an old document is not always valid.

How to check MLICUS33 before you pay

The most reliable place for the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. Check it with MLICUS33 here.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees along the way. An error in the account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Many banking apps validate the format of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a name check on the recipient adds extra certainty. For a first payment, some people send a small test amount and wait for confirmation.

Getting paid from abroad into a Metropolitan Life Insurance Co account

For a transfer from abroad at Metropolitan Life Insurance Co, the person paying you has to have not just the BIC. What they need is: your name, account number or IBAN, MLICUS33XXX or MLICUS33 and in many cases your home address.

Certain banks also ask for the name and address of Metropolitan Life Insurance Co. Check every detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee, Metropolitan Life Insurance Co may charge for incoming payments, and if the currency changes, a markup on the rate applies. Agree with the sender who pays which costs.

MLICUS33 or MLICUS33XXX – which one to use?

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six give the country and characters seven and eight mark the location. That gives you MLICUS33, the short form of the code.

XXX at the end of MLICUS33XXX does not stand for a missing value or an error: it stands for the head office of Metropolitan Life Insurance Co. Some forms insist on 11 characters, and then you can add XXX after MLICUS33.

In practice the code is written in capitals, without spaces or dashes. A wrong character can send a payment to another bank.

What a transfer from Metropolitan Life Insurance Co abroad really costs

An international bank payment costs more than the fee suggests. There is the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup if the currency changes.

Many banks rarely show the margin on the rate separately, but you pay it all the same. Check the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Money transfer services often offer rates closer to the mid-market rate and lower fees. Next time you send money, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. You can always use your account at Metropolitan Life Insurance Co to fund the transfer.