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

SWIFT/BIC codes in United States

Here you will find codes for 3498 institutions in United States. Each code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Select the bank from the list to view its head office code and any branch codes. The sections below explain how the codes work, the cost of transfers and the checks worth doing before you send money.

Paying in USD: what conversion costs you

Bank accounts in United States are typically held in USD, the local currency. If you send another currency, it has to be converted somewhere along the way.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. In many cases you pay less if you send USD directly via a provider that converts near the mid-market rate. On larger amounts, a seemingly small gap in the rate adds up quickly.

How long does a transfer to United States take?

There is no fixed delivery time for transfers to United States: some arrive the same day or the next, others take several business days. Transfers sent late in the day or on a weekend or public holiday often go out a business day later.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR, which the sending bank can use to trace it. Money transfer services often show a status in their app.

Most SWIFT codes in United States: Citadel Investment Group, L.l.c.

Of the 3498 banks we list for United States, Citadel Investment Group, L.l.c. is listed with the largest number of codes. Its head office code is CITGUS44XXX, which is the code to use when no branch is specified.

The number of codes says more about how it organises its payments than about its size. Unless the recipient asks for a branch, CITGUS44XXX is fine for transfers to this bank.

Bank or transfer service for United States?

What you pay for a payment to United States is made up of more than one component – not only the fee you see. You pay a transfer fee, possibly fees from correspondent banks along the way and, above all, the exchange rate markup.

The real cost is often in the rate. Check the rate you are offered with the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

Specialist money transfer services often offer rates closer to the mid-market rate. GoldexPay compares the amount that arrives in United States with different providers.

What the letters in a United States BIC mean

SWIFT/BIC codes follow one international format: 8 characters plus an optional three-character extension. First comes a four-letter bank code, followed by a two-letter country code and two characters for the location.

For banks in United States, characters five and six are the ISO country code of United States, which makes these codes easy to recognise. A code with a different country code come from another country, even if the bank name looks familiar.

The last three characters, if present, stand for a specific branch; XXX means the head office. Use a branch code just if the recipient explicitly gives you one; otherwise the head office code is the safe choice.

SWIFT transfers to United States

To pay into United States you will almost always need the BIC. Without the BIC, most banks cannot process the transfer.

Not all countries use IBAN numbers; in that case the local account number is used instead. Ask the recipient which details their bank requires for incoming international payments. SWIFT payments can pass through correspondent banks, each of which may deduct a fee.

Incoming international payments in United States

To receive an international payment in United States, the sender needs not just the SWIFT code. Share your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address.

Find the bank in the list on this page – your bank statement is the final word. You can add the name and city of your bank as well, since some payment forms ask for it.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate comes on top. For business payments, state how the fees are split to avoid a shortfall.

Filter: banks in United States with :letter

Here you see a filtered list: just institutions in United States with a name starting with :letter. The figures for United States mentioned here cover all 3498 banks and not only this letter.

Bank not listed? Its official name may begin with another word, for example the full legal name rather than a brand name. The complete list remains available when you cannot find the bank here.

Check the code before you pay

The best place to find the correct BIC is paperwork issued by the bank, such as a statement or the account page in online banking. When the code you were given differs from our list, do not guess – contact the recipient or their bank.

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. Institutions merge, close branches and change codes. For a payment that matters, check the code with the recipient. We are a comparison service.

Scammers regularly use fake invoices with changed bank details that look completely genuine. A valid BIC says nothing about whether a request is genuine: criminals use real codes too.