Virtu Americas SWIFT/BIC code

SWIFT/BIC code of Virtu Americas

NITEUS33 and NITEUS33XXX are two spellings of the same bank identifier, and both point to Virtu Americas in New York,ny. A BIC has a single purpose: it makes sure that money from abroad ends up at the right bank. In practice you mostly come across it on international invoices, in payment forms and in the bank details of Virtu Americas customers.

We wrote this page to help people who receives money at an account at Virtu Americas and wants to get the details right. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number does that part.

Choosing between the 2 SWIFT codes of Virtu Americas

Virtu Americas has 2 different SWIFT/BIC codes across 2 locations. Only one is the head office code; the rest belong to branches, and sometimes specific services.

Unless the recipient tells you otherwise, use NITEUS33XXX or its short form NITEUS33. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

The best way is to take the code directly from the account holder’s bank details. Codes for branches are more likely to change than NITEUS33XXX when a bank merges or closes offices.

International transfers from Virtu Americas: the real cost

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. You pay the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate with a margin built in. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares these services next to each other, showing the amount the recipient gets. Choosing a specialist does not require leaving Virtu Americas: you simply pay the service from your account.

Receiving money from abroad at Virtu Americas

To receive a transfer from abroad into your account at Virtu Americas, the sender needs more than the SWIFT code. Give them the account holder’s name, your account number or IBAN, the BIC NITEUS33XXX and your address.

Their bank may request the bank address of Virtu Americas; the head office in New York,ny is usually fine. A mistake in your account number is more trouble than you might think.

Money from abroad will not always land for the full amount. Fees for incoming transfers differ from bank to bank. For business payments, it is common to agree how the fees are split.

Transfer times and tracking a payment to Virtu Americas

There is no fixed delivery time for every transfer: some arrive the same day or the next, others take several business days. Weekends and public holidays in either country can add extra days. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi. Each gpi transfer gets a unique reference, the UETR. Specialist transfer services often show a status in their app showing where the payment has got.

A missing payment has to be traced by the sending bank, using the payment confirmation. Ask the sender for a copy of the payment confirmation including the reference.

About this information

We collect SWIFT/BIC codes from publicly available data and check them regularly. Banks merge, close branches and retire codes. The figures on this page reflect our own data and not on information from Virtu Americas itself.

Before a payment that matters, always check the code with Virtu Americas or with the recipient. GoldexPay is not affiliated with Virtu Americas, we only compare transfer services. Spotted an error? Let us know through the contact page so we can correct it.

Why Virtu Americas has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, characters five and six give the country and the two after that mark the location. Together, these eight characters form NITEUS33 – the version you usually see online.

XXX at the end of NITEUS33XXX is not a missing value or a mistake: it indicates the head office of Virtu Americas. Some banking apps ask for 11 characters, and then you can add XXX behind NITEUS33.

Type the code in one piece, in capitals and without separators. Look out for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Paying into Virtu Americas in USD

United States uses the US Dollar (USD). A payment in a foreign currency is converted into USD – and the bank that does it picks the rate. There is rarely a separate charge for that conversion; it is built into the rate.

Which bank converts the payment matters. Transferring the amount directly in USD usually prevents an extra conversion.

Rates for USD change during the day – some services let you fix a rate in advance. For regular payments, a slightly better rate make a real difference over time.

Watch out for payment fraud

Criminals often send payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Do not rely on contact details in the same message that contains the change. Urgency and requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. If money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone sends too much and asks you to refund the extra to a new account. A screenshot of a transfer proves nothing – check your own account.

How to check NITEUS33 before you pay

The most reliable 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 NITEUS33 or NITEUS33XXX, stop and ask.

Errors in the BIC are costly rather than disastrous. An error in the account number is more serious; check it just as carefully.

An automatic check in your banking app only tells you that the IBAN is valid. If your bank offers it, a name check before sending gives extra certainty. When you pay someone new, many people send a small test amount.