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

Bank SWIFT codes for United States

On this page you find the SWIFT/BIC codes of 3498 banks in United States. A SWIFT code tells the banks handling a transfer exactly which bank should receive the money.

Look for the recipient’s bank below and click through for all codes we have and what else a transfer requires. The sections below explain how the codes work, the cost of transfers and the checks worth doing before a payment.

What a sender needs to pay you in United States

If you are waiting for money from abroad on an account in United States, give the sender a complete set of details. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC of your bank and usually your postal address.

Your bank’s code is in our list but always compare it with your own bank details. It helps to add your bank’s name and city as well, since some payment forms ask for it.

Expect that the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments differ per bank. Make clear with the sender who pays which costs before the money is sent.

Verifying a SWIFT code from United States

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

Our SWIFT/BIC directory is compiled from publicly available sources. Still, banks merge, rename themselves or change codes. Treat this list as a starting point rather than the last word. GoldexPay is an independent comparison site and not part of any bank listed here.

Fraudsters often use fake invoices with changed bank details that look completely genuine. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

How SWIFT codes from United States are built

Every SWIFT/BIC code has 8 or 11 characters. First comes a four-letter bank code, followed by a two-letter country code and a two-character location code.

You can recognise a bank code from United States by the fifth and sixth characters. Codes with other letters in that position belong to a bank abroad.

The last three characters, if present, stand for a specific branch; XXX means the head office. Choose a branch code just when the recipient’s bank asks for it.

Filter: banks in United States with :letter

You are looking at a selection: just institutions in United States whose name begins with :letter. The counts in the introduction always refer to all banks in United States and not only this selection.

If the bank you need is missing under :letter, try another letter. The complete list remains available if the letter filter does not help.

How long does a transfer to United States take?

A SWIFT payment to United States typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday often start a business day later.

A growing number of banks use SWIFT gpi. Every payment carries a unique transaction reference, the UETR that banks can use to see where the money is. Save your transfer receipt until the recipient confirms; a bank needs it to start a trace.

The largest SWIFT network in United States: Citadel Investment Group, L.l.c.

In our data, Citadel Investment Group, L.l.c. holds the most SWIFT/BIC codes in United States. The head office uses CITGUS44XXX.

Practice differs in whether they register branch codes. Paying someone at Citadel Investment Group, L.l.c.? Go with CITGUS44XXX except when the recipient gives you a branch code.

Why a transfer to United States needs a SWIFT code

Because United States is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means the payment always needs the SWIFT/BIC code of the receiving bank, together with the account number or IBAN.

Not all countries use the IBAN. Check with the recipient which details their bank needs for incoming international payments. SWIFT payments sometimes go via correspondent banks.

Paying in USD: what conversion costs you

Bank accounts in United States are typically held in USD – the US Dollar. When you pay another currency, it has to be converted at some point: by your bank, an intermediary or the receiving bank.

Who converts the payment makes a difference. Check how much USD the recipient gets with several services. Rates for USD move all the time – some providers let you lock in a rate.

What a transfer to United States really costs

What you pay for a payment to United States is made up of more than one component. There is a transfer fee, possibly charges from intermediary banks along the way and, above all, the exchange rate markup if the money is converted.

That exchange rate margin is often the biggest cost item because it is hidden in the rate. A simple test: set the offered rate next to the mid-market rate and look at the difference.

For many routes, a specialist provider turns out to be less expensive than a bank – mostly thanks to the exchange rate. GoldexPay compares transfer services side by side so you can see the amount that reaches the recipient before you commit.