Umb Bank, N.a. SWIFT/BIC code

UMKCUS44 – the SWIFT/BIC code of Umb Bank, N.a.

UMKCUS44 and UMKCUS44XXX are two spellings of the same bank identifier, and both lead to Umb Bank, N.a. in Kansas City,mo. Banks worldwide use these codes to direct payments between countries to the right institution. In practice you usually come across it on invoices from abroad, in your banking app and on the account details that Umb Bank, N.a. provides.

Further down you will find the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you confirm a payment. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

Protect yourself against fake payment requests

Be alert if a contact unexpectedly asks you to send money to a different account. That UMKCUS44 is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Before paying, verify a change of bank details through a phone call, using a number you already had. Urgency or requests to keep it quiet tend to be warning signs. When money has already gone to the wrong account, contact your bank immediately.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to send back the difference. Wait until the money has really arrived – ask Umb Bank, N.a. if something looks wrong.

Choosing between the 4 SWIFT codes of Umb Bank, N.a.

Umb Bank, N.a. has 4 separate SWIFT/BIC codes. Only one is the head office code, UMKCUS44XXX; the others identify branches.

Usually you do not need to pick a branch: transfers addressed to UMKCUS44XXX are routed within Umb Bank, N.a. without problems. Branch codes are only needed when the recipient’s bank specifically mentions it.

The best way is to take the code directly from the account holder’s invoice. Branch codes are more likely to be retired than UMKCUS44XXX.

Verifying the SWIFT code of Umb Bank, N.a.

The best place to find the right code is paperwork issued by the bank. Check that code against UMKCUS44 on this page and ask if anything does not match.

With a wrong code, the transfer may get stuck, be returned or cost extra. Do not forget the account number: an error there is harder to correct than a wrong BIC.

Many banking apps check the structure of IBANs and sometimes look up the BIC automatically. Some banks now compare the payee name with the account before you confirm; take any warning seriously. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

Paying someone abroad from your Umb Bank, N.a. account

If you transfer money abroad via Umb Bank, N.a., the visible fee is only part of the cost. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, rather than in the fee: many banks convert at a rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. Before your next transfer, take a minute comparing the total cost via GoldexPay. Choosing a specialist does not require closing your account at Umb Bank, N.a.: you simply pay the service from your account.

US Dollar (USD) and conversion costs

Most accounts at Umb Bank, N.a. are typically held in USD, the national currency of United States. When you pay another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Umb Bank, N.a. itself. Every conversion eats into something, even when no fee is shown.

Who converts the money matters, because each party uses its own rate. Check how much USD the recipient gets via several providers before choosing one.

Exchange rates change during the day. If you pay regularly, a slightly better rate add up over time.

About this information

The directory on GoldexPay draws on public sources. It is possible that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes are from our own dataset.

Treat the information on this page as a handy check, and let the details from the recipient or Umb Bank, N.a. have the final say. GoldexPay is a comparison service for money transfers and not part of Umb Bank, N.a.. Should you notice something that is out of date, we welcome a short note.

8 or 11 characters: UMKCUS44 versus UMKCUS44XXX

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. Together, these eight characters form UMKCUS44 – the version you usually see online.

The 11-character version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, which is why UMKCUS44XXX and UMKCUS44 lead to the same place.

In practice the code is typed in capitals, without spaces or dashes. Copying the code is safer than retyping it, because one wrong letter changes the bank.

When will the money arrive at Umb Bank, N.a.?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before weekends and holidays often go out the next business day. Sometimes a bank asks about the purpose of a payment, which can hold things up.

If the money is late, contact your bank about the status so they can trace it along the chain. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

A missing payment has to be investigated from the sending side, using the payment confirmation. On the receiving end, it helps to look at your statements for a partial amount.

Incoming international payments to Umb Bank, N.a.

For an international payment at Umb Bank, N.a., the sender needs not just the SWIFT code. That means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code UMKCUS44XXX and sometimes your address.

Their bank might request the address of your bank. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank; check the price list of Umb Bank, N.a.. Agree with the sender who pays which costs.