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

Finding a SWIFT code in United States

Here you will find the SWIFT/BIC codes of 3498 institutions in United States. Every code identifies an institution or one of its branches.

Look for the bank you need below and open its page for all codes we have. Further down you can read how codes from United States are built, how to send money to United States at a fair price and how to check a code before you pay.

United States and the US Dollar

United States pays in the US Dollar, code USD. When you pay money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or the receiving bank.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Check how much USD the recipient gets with several services before choosing one. On larger amounts, even a small gap in the rate can be worth more than the fee.

What a sender needs to pay you in United States

If you are waiting for a payment from another country in United States, give the sender all details at once. That means: your full name as your bank knows it, your account number or IBAN, the BIC of your bank and usually your address.

Find your bank in the list on this page and compare the code with your own bank details. You can include the name and city of your bank because some forms have separate fields for it.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. For business payments, state how the fees are split to avoid a shortfall.

International payments to United States and the BIC

Because United States does not belong to SEPA, a transfer from abroad is usually sent through SWIFT. That means the payment always needs the SWIFT/BIC code of the recipient’s bank, together with the account number or IBAN.

Not every country uses the IBAN; in that case the local account number is used instead. The receiving bank usually provides instructions for incoming international payments. Before it arrives, a payment can go through intermediary banks that take a fee.

The structure of a United States SWIFT/BIC code

A BIC is either 8 or 11 characters long and the parts always come in the same order. First comes four letters for the bank, followed by a two-letter country code and two characters for the location.

In every code from United States, characters five and six are the ISO country code of United States, which makes these codes easy to recognise. When the country letters do not match United States, you are looking at a bank somewhere else – worth double-checking.

The last three characters, if present, identify a specific branch; XXX means the head office. Use a branch code just if the recipient explicitly gives you one.

SWIFT codes in United States: banks under :letter

You are looking at a selection: just banks in United States whose name begins with :letter. The figures for United States mentioned here cover all 3498 banks, not just the ones under :letter.

If a bank does not appear under :letter, try the full list. The complete list is available when you cannot find the bank here.

How reliable is this list?

The best place to find the right code is paperwork issued by the bank. When the code you were given differs from our list, do not guess.

We collect SWIFT/BIC codes from publicly available data and update our list from time to time. Banks reorganise, change names and change codes – a directory can be a step behind. Use our data as a starting point; the recipient’s bank details are leading. GoldexPay is an independent comparison site and has no link to the banks in this list.

Watch out for payment requests containing changed bank details. Always verify a change of bank details by phone, using a number you already had.

How long does a transfer to United States take?

A SWIFT payment to United States typically takes one to a few business days. Transfers sent after the cut-off time or just before a weekend or public holiday usually start a business day later.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR. Money transfer services usually provide tracking online so you can follow the payment.

Which bank in United States has the most codes?

Of the 3498 banks in United States, Citadel Investment Group, L.l.c. has the most codes. Its main office has CITGUS44XXX.

Banks differ in how many codes they register, so the count is not a ranking of size. Making a payment to Citadel Investment Group, L.l.c.? Go with CITGUS44XXX except when a specific branch code is requested.

What a transfer to United States really costs

An international bank payment to United States often costs rather more than the fee suggests. There is the transfer fee, sometimes fees from correspondent banks along the way and, most importantly, the margin on the exchange rate when currencies differ.

The markup on the rate tends to be the biggest cost item. Check the rate you are offered with the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives in United States across providers, so you can pick the cheapest route.