The Bank of New York Mellon SWIFT/BIC code

What BSDTUS33 means for a payment to The Bank of New York Mellon

If an invoice shows BSDTUS33 or BSDTUS33XXX, it is the same identifier for The Bank of New York Mellon in United States. Banks worldwide use BIC codes to direct international transfers to the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help people who pays into an account at The Bank of New York Mellon without mistakes. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

Transfer times and tracking a payment to The Bank of New York Mellon

There is no fixed delivery time for international payments: many land the same day or the next. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks by one of the banks can also add some delay, regardless of the details.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services often provide tracking online so you can see where the payment is.

A missing payment is traced from the sending side. Ask the sender for a copy of the payment confirmation including the reference.

Where our SWIFT data comes from

The details on this page come from publicly available data. It is possible that information here is out of date after a merger or reorganisation. The number of codes on this page reflect what is in our directory.

For a payment that matters, check the BIC with the recipient’s bank or the recipient. GoldexPay is independent of The Bank of New York Mellon. If you notice a mistake, we welcome a message via the contact page.

Watch out for payment fraud

Stay wary if someone suddenly asks you to send money to another account or a bank in another country. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify changed payment details through a different channel, not by replying to the message. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. If a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also target the receiver. Someone sends too much and asks you to return the extra. A payment confirmation from the sender is no proof.

What to give a sender who pays you at The Bank of New York Mellon

When you are waiting for a payment from another country, give the sender a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC BSDTUS33XXX and your address, which some banks require.

Certain sending banks also ask for the name and address of The Bank of New York Mellon, so keep it at hand. Check each detail before you share them, because the sender’s bank usually copies them as is.

Money from abroad does not always land in full. Charges on incoming payments vary from bank to bank; check the price list of The Bank of New York Mellon. On invoices, it is common to state who bears the costs, so that nobody is left short.

Head office or branch code at The Bank of New York Mellon?

The Bank of New York Mellon uses 45 different SWIFT/BIC codes. Only one is the head office code, BSDTUS33XXX; the rest identify branches or departments, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code BSDTUS33XXX works fine. Just use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

The best way is to take the code straight from the account holder’s bank details. Codes for branches are more likely to be retired than the head office code.

8 or 11 characters: BSDTUS33 versus BSDTUS33XXX

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and a two-character location code. That gives you BSDTUS33.

XXX at the end of BSDTUS33XXX does not stand for a missing value or an error: it indicates the main office of The Bank of New York Mellon. Some forms insist on 11 characters, and then you simply add XXX after BSDTUS33.

In practice the code is written in capitals and without spaces. A single letter can send the money to another bank, so check it twice.

The US Dollar and what conversion costs you

United States uses the US Dollar, code USD. If you send money in a different currency it gets converted at some point. Each conversion eats into the amount, even when no fee is shown.

Who does the conversion has an effect on how much arrives. In many cases it is cheaper to send USD straight away through a provider with a good rate, so that the receiving bank does not need to convert again.

The USD rate changes throughout the day, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate make a real difference over time.

Verifying the SWIFT code of The Bank of New York Mellon

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare it against BSDTUS33 on this page and ask if anything does not match.

Errors in the SWIFT code are annoying rather than fatal: often the payment comes back, minus fees. Do not forget the account number: a mistake there is more difficult to correct than a wrong BIC.

An automatic check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending adds an extra layer of safety. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

Paying someone abroad from your The Bank of New York Mellon account

A bank transfer abroad costs more than the listed fee. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Many banks do not show the margin on the rate separately. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay lists transfer providers side by side, showing what actually arrives for the same amount sent. You can still use your account at The Bank of New York Mellon to fund the transfer, while a cheaper service handles the conversion.