Suntrust Bank SWIFT/BIC code

SWIFT/BIC code of Suntrust Bank

Whether you are given SNTRUS3A or SNTRUS3AXXX, it is the same identifier for Suntrust Bank in United States. Banks worldwide use BIC codes to route payments between countries to the correct bank. It comes up mainly for transfers between countries.

On this page we explain what the code means, when you need it and what else you need for a transfer to or from Suntrust Bank. Keep in mind that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

Changed bank details? Be careful

Criminals regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about who owns the account.

Never rely on a phone number from the same email that announces the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Call your bank without delay and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference to another account. Do not act before the money has really arrived.

Transfer times and tracking a payment to Suntrust Bank

A SWIFT payment typically takes anywhere from one to several business days. Weekends and public holidays in either country add a day or more to the journey. Sometimes a bank asks what the payment is for before releasing it.

If a transfer seems delayed, contact your bank for the status and the transaction reference. Keep your transfer receipt until the recipient confirms.

If a payment has not arrived after a few business days, the person who paid needs to contact their own bank, not the receiving bank. On the receiving end, it helps to look at your statements for a partial amount.

Verifying the SWIFT code of Suntrust Bank

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. Compare it against SNTRUS3A on this page.

An incorrect BIC may lead to delays, a returned payment or additional charges along the way. A mistake in the account number is a bigger problem, so check that just as carefully.

A format check by your bank only confirms that the IBAN is valid. Some banks now check the payee name against the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

Choosing between the 34 SWIFT codes of Suntrust Bank

Suntrust Bank has 34 separate SWIFT/BIC codes across 34 cities. One of them is the head office code, SNTRUS3AXXX; the rest belong to branches.

Unless the recipient tells you otherwise, go with SNTRUS3AXXX. A branch code only makes sense if the account holder explicitly asks for it.

The safest approach is to take the code straight from the account holder’s statement. Branch codes are more likely to be retired than SNTRUS3AXXX.

About this information

We gather bank codes from publicly available data and check our list from time to time. Banks merge, change names and retire codes – a directory can be a step behind. Counts and locations are from our own dataset and may differ from what Suntrust Bank publishes.

Treat the information here as a helpful check, and let the details from the recipient or Suntrust Bank have the final say. GoldexPay is independent of Suntrust Bank; we are a comparison site for money transfers. Spotted an error? Tell us via our contact form so we can correct it.

What the XXX in SNTRUS3AXXX means

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. In this case, that core is SNTRUS3A.

Most banks and apps accept both lengths. If a form asks for eleven characters, use SNTRUS3AXXX; if it wants eight, use SNTRUS3A.

Enter the code as one block, in capitals and without separators, exactly as shown here. Look out for the letter O and the digit 0 or I versus 1; they are easy to mix up.

Getting paid from abroad into a Suntrust Bank account

A sender in another country needs several details from you. The basics are: the account holder’s name, IBAN or account number, SNTRUS3AXXX and in many cases your postal address.

You can add the bank name and its city as well, since some forms ask for it. A typo in the IBAN is more trouble than it looks.

The amount you receive is often less than the amount sent. Fees for incoming transfers differ from bank to bank; check the price list of Suntrust Bank. On invoices, you can state how the fees are split.

Paying into Suntrust Bank in USD

United States pays in the US Dollar, with the currency code USD. Money sent in a different currency is exchanged into USD on its way to Suntrust Bank, and whoever converts it chooses the rate. You rarely see a separate line for the conversion.

Who converts the money makes a difference, because each party uses its own rate. Check how much USD the recipient gets with different providers.

The USD rate changes throughout the day and quotes are often valid only for a short time. For regular payments, a slightly better rate make a real difference over time.

Sending money abroad from Suntrust Bank

An international bank payment can cost rather more than the listed fee. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay lists these services side by side, showing the amount the recipient gets before you commit. Choosing a specialist does not require closing your account at Suntrust Bank – you pay the provider from your own account.