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

Finding a SWIFT code in United States

This overview lists 3498 banks and financial institutions in United States, with 5781 SWIFT/BIC codes in total. You need a SWIFT/BIC code mostly for international transfers, and especially for payments in foreign currencies.

Pick a bank below to see the head office code and its other codes along with tips for payments to and from that bank. The sections below covers the structure of the codes, the cost of transfers and the checks worth doing.

The US Dollar (USD) and conversion costs

The local currency in United States is the US Dollar (USD). When you pay another currency, it has to be converted at some point.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Compare how much USD the recipient gets via different providers; the difference between options can be larger than you expect. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

Banks in United States starting with :letter

This page shows only banks in United States beginning with :letter. The figures for United States on this page apply to every bank we list, not just the ones under :letter.

Many institutions are listed under their legal name. Try the full list for United States if you do not know the exact name.

How reliable is this list?

Ask the recipient to copy the account details directly from a recent statement. When the code you were given differs from the code listed here, do not guess.

We collect SWIFT/BIC codes using public sources and update them regularly. Banks merge, close branches and retire codes – a directory can be a step behind. For any payment that matters, check the code with the recipient. GoldexPay is an independent comparison site and has no link to the banks in this list.

Be wary of payment requests containing a new account. A valid BIC tells you nothing about whether a request is genuine.

Tracking a payment to United States

How fast a payment reaches United States is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent late in the day or just before weekends and holidays usually go out a business day later.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR that banks can use to see where the money is. Save the payment confirmation until the money has arrived.

Paying a bank in United States from abroad

Since United States is outside SEPA, a transfer from abroad normally goes as a SWIFT payment. That means you always need the SWIFT/BIC code of the recipient’s bank, together with the account number or IBAN.

Not all countries use the IBAN; in that case the local account number is used instead. Ask the recipient exactly which details their bank requires for incoming international payments – many banks give clear instructions for this. International transfers can pass through correspondent banks and fees can be taken along the way.

Incoming international payments in United States

To receive an international payment into a United States account, the person paying you has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address.

Your bank’s code is in the list on this page. Certain banks may also ask for the name and address of your bank, so keep it at hand.

What lands in your account can be less than the amount sent. Fees for incoming transfers vary per bank. Agree with the sender who covers the fees before the money is sent.

What a transfer to United States really costs

An international bank payment to United States can cost rather more than you think. There is a transfer fee, sometimes charges from intermediary banks along the way and, most importantly, the exchange rate markup when currencies differ.

That exchange rate margin tends to be the biggest cost item. A simple test: put the offered rate next to the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate. Before your next transfer to United States, take a minute to compare what arrives via GoldexPay.

What the letters in a United States BIC mean

SWIFT/BIC codes follow one international format: 8 characters plus an optional three-character extension. The first four letters stand for the bank, the fifth and sixth characters form the country code and the next two mark the location.

In every code from United States, characters five and six are the two-letter ISO code of United States – that is the quickest way to spot one. When the country letters do not match United States, the code belongs to a bank in another country, so check again.

If the last three are XXX, it means the head office and the short version works just as well. In most cases the head office code is fine unless the recipient asks for a specific branch.

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

In our directory, Citadel Investment Group, L.l.c. holds the most SWIFT/BIC codes of all banks in United States. The head office uses CITGUS44XXX, which is the code to use when no branch is specified.

How many codes a bank has says more about how it registers branches and services than about its size. Paying someone at Citadel Investment Group, L.l.c.? Use CITGUS44XXX except when the recipient gives you a branch code.