Pgim, Inc. SWIFT/BIC code

What PRUIUS33 means for a payment to Pgim, Inc.

Whether you are given PRUIUS33 or PRUIUS33XXX, it is the same identifier for Pgim, Inc. in United States. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. You will need it mostly for transfers between countries and payments in foreign currencies.

Below you will find the practical side: receiving money at Pgim, Inc., sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code names a bank or branch, not a single account; the IBAN or account number does that.

Paying someone abroad from your Pgim, Inc. account

An international bank payment can cost more than the fee suggests. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

Banks do not show the margin on the rate as a cost – you only notice it if you compare. Check their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider is less expensive than a bank. GoldexPay compares these services side by side so you can see what actually arrives. You can still use your account at Pgim, Inc.; only the conversion and sending happen elsewhere.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from public sources and check them regularly. It can happen that a code on this page is out of date, for example after a merger. The figures on this page are based on what is in our directory, not official figures from Pgim, Inc..

Use this page as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Pgim, Inc.; we are a comparison site for money transfers. If you notice a mistake, we appreciate a short note.

Before you send: check the Pgim, Inc. code

The best place to find the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. When the code you were given differs from PRUIUS33 or PRUIUS33XXX, stop and ask – contact the recipient or Pgim, Inc..

With a wrong code, the transfer may be delayed, bounce back or cost extra – sometimes after weeks of searching. Do not forget the account number: an error there is more difficult to correct than a wrong code.

A validity check by your bank only confirms that the code exists, not that it is the right account. If your bank offers it, a payee name check before sending adds an extra layer of safety. A small test payment is a sensible step for large sums despite the extra fee.

Getting paid from abroad into a Pgim, Inc. account

To receive a transfer from abroad at Pgim, Inc., the sender needs not just the SWIFT code. Share the account holder’s name, your account number or IBAN, the BIC PRUIUS33XXX and your address, which some banks require.

Their bank might also ask for the address of your bank; the head office in Newark,nj is usually fine. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. Make clear with the sender who covers the fees before the money is sent.

How long does an international transfer to Pgim, Inc. take?

How quickly a payment reaches Pgim, Inc. is determined by several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Weekends and public holidays in either country add a day or more. Compliance checks by one of the banks may also add some delay.

When a payment takes longer than expected, ask your bank for the tracking status so they can trace it along the chain. Specialist transfer services often provide a status online showing how far the money has got.

If the money does not arrive within the expected time, the person who paid needs to contact their own bank. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

US Dollar (USD) and conversion costs

Accounts at Pgim, Inc. are usually held in USD, the local currency of United States. A payment in a foreign currency is exchanged into USD on its way to Pgim, Inc. – and the bank that does it picks the rate. You rarely see a separate line for that conversion – the cost sits in the rate.

Which bank converts the money matters. Check what USD the recipient gets via several services.

Rates for USD change all the time, and some providers let you lock in a rate. For recurring payments, small differences in the rate add up over time.

8 or 11 characters: PRUIUS33 versus PRUIUS33XXX

A BIC is built from a few fixed parts: the first four letters stand for the bank, the next two give the country and characters seven and eight mark the location. In this case, that core is PRUIUS33.

The full version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so PRUIUS33XXX and PRUIUS33 are interchangeable.

As a rule the code is typed in capitals and without spaces. A wrong letter may route the money to a different institution.

Choosing between the 2 SWIFT codes of Pgim, Inc.

Pgim, Inc. uses 2 separate SWIFT/BIC codes. Only one is the head office code, PRUIUS33XXX; the others belong to branches, and sometimes specific services.

For the vast majority of incoming transfers, the head office code PRUIUS33XXX is what you need. When you receive a branch code, use it as it is rather than swapping it for the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Codes for branches are more likely to change than the head office code.

Watch out for payment fraud

Criminals regularly use fake invoices containing changed bank details, sometimes in an email that looks completely genuine. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check changed payment details via a separate channel, such as a phone number you already know. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and have them try to recall the payment; also report it to the police.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference abroad. A screenshot of a transfer is no proof.