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

Finding a SWIFT code in United States

For United States we have 5781 SWIFT/BIC codes from 3498 banks. Every code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Select a bank below to see the head office code and its other codes. The rest of this page explain the structure of the codes, the cost of transfers and how to avoid mistakes before a payment.

What the letters in a United States BIC mean

Each SWIFT/BIC code has 8 or 11 characters in a fixed order. The first four letters stand for the bank, characters five and six form the country code and characters seven and eight give the location.

For banks in United States, letters five and six show the two-letter ISO code of United States, which makes these codes easy to recognise. If the country letters point to another country, the code belongs to a bank in another country – worth double-checking.

If the last three are XXX, it refers to the main office, and the 8-character version leads to the same place. In most cases the head office code is what you need, unless the recipient gives you a branch code.

About our data and how to check a code

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account page in online banking. An incorrect BIC may lead to delays, a returned payment or extra fees – compare it with the code in our list.

The directory on GoldexPay is based on publicly available sources that we update periodically. Institutions merge, change names and retire codes, and no directory catches every change immediately. Before any payment of any size, confirm the BIC with the recipient. GoldexPay is an independent comparison site.

Be wary of invoices containing a new account. Always verify a change of bank details by phone.

Banks in United States starting with :letter

You are looking at a selection: just banks in United States with a name starting with :letter. The counts in the introduction still cover the whole country.

Many institutions are listed under their official name rather than the name on their app or website. The full overview for United States remains one click away when the letter filter does not help.

Incoming international payments in United States

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. Give them your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

Your bank’s code is in our list but always compare it with your own bank details. Certain banks also want your bank’s address.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary per bank – your bank’s price list tells you what applies. On invoices, agree who bears the costs to avoid a shortfall.

SWIFT transfers to United States

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

In some countries, accounts are identified by a domestic account number rather than an IBAN. The receiving bank usually provides instructions for incoming international payments. Before it arrives, a payment may go through correspondent banks that charge for their part.

Citadel Investment Group, L.l.c. and its SWIFT codes

Among the 3498 institutions we list, Citadel Investment Group, L.l.c. holds the most SWIFT/BIC codes of all banks in United States. The head office uses CITGUS44XXX, which is the code to use when no branch is specified.

A large number of codes usually reflects that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Making a payment to Citadel Investment Group, L.l.c.? Go with CITGUS44XXX unless a specific branch code is requested.

Transfer times to United States

How fast money arrives in United States is determined by a few things: the currency, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or on a weekend or public holiday often 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. Save the payment confirmation – you will need it if something goes wrong.

What a transfer to United States really costs

An international bank payment to United States can cost more than the fee suggests. There is the transfer fee, possibly charges from intermediary banks along the way and, most importantly, the margin on the exchange rate if the money is converted.

The markup on the rate tends to be the largest part of the cost because it is hidden in the rate. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

Specialised transfer providers frequently offer a rate near the mid-market rate and lower fees. GoldexPay lists transfer services side by side, showing what actually arrives in United States before you commit.

Paying in USD: what conversion costs you

Bank accounts in United States are typically held in USD – the US Dollar. Money sent in a different currency will be converted into USD – and the bank that does it picks the rate.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Compare how much USD arrives via several services before choosing one. On larger amounts, even a small gap in the rate adds up quickly.