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

Bank SWIFT codes for United States

This directory lists 3498 banks and other institutions in United States and 5781 SWIFT/BIC codes between them. A BIC tells the banks handling a transfer which institution should receive an international payment.

Each bank has its own page showing its main code and if there are any, codes for branches and departments. The rest of this page covers how the codes work, the cost of transfers and how to avoid mistakes.

Transfer times to United States

How quickly money arrives in United States depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in United States or in the sending country add a day or more, because banks do not process payments on those days.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique reference, the UETR that banks can use to see where the money is. Money transfer services usually show tracking online.

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

Of all banks we list for United States, Citadel Investment Group, L.l.c. is listed with the most SWIFT codes. Its main office uses CITGUS44XXX.

How many codes a bank has tells you something about how it organises its payments than about how big it is. Paying someone at Citadel Investment Group, L.l.c.? Use CITGUS44XXX unless a specific branch code is requested.

International payments to United States and the BIC

To pay into United States you will usually need the BIC. Without it, your bank will not send the payment at all.

Not all countries use IBAN numbers; in that case the local account number is used instead. The recipient’s bank usually has instructions for payments from abroad – follow them exactly. On the way to United States, a transfer may go through intermediary banks that charge for their part.

Sending money to United States for less

When you transfer money to United States with a regular bank, the stated fee is rarely all of what you pay. Besides the fee, correspondent banks can deduct a charge, and when the money is converted the bank often applies a less favourable rate than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee. An easy check: put the rate you get next to the mid-market rate and look at the difference.

Money transfer services frequently use a rate near the mid-market rate with clearer fees. Before you send money to United States, take a minute to compare what arrives on GoldexPay.

What the letters in a United States BIC mean

Each SWIFT/BIC code has eight or eleven characters. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

In every code from United States, letters five and six are the ISO country code of United States. If the country letters point to another country, you are looking at a bank in another country – worth double-checking.

The optional last three characters stand for a branch or department; XXX means the head office. Use a branch code just if the recipient’s bank asks for it.

Check the code before you pay

The most reliable source for the BIC is the recipient’s own bank details. A wrong code can cause a delay, a returned payment or additional charges.

We gather bank codes using publicly available data and update our list regularly. Even so, banks merge or change codes and our data may lag behind. For a payment of any size, confirm the code with the recipient. We are a comparison service for money transfers and not part of any bank listed here.

Fraudsters regularly use fake invoices with changed bank details. Always confirm changed details by phone on a number you know.

Banks in United States beginning with the letter :letter

The letter filter narrows the list to banks in United States starting with :letter, so you can find a bank faster. The totals mentioned above always refer to all banks in United States, not just this letter.

Some banks are listed under their official name rather than the name on their app or website. Try the full list for United States when you are not sure how the name is spelled.

The US Dollar (USD) and conversion costs

United States pays in the US Dollar, code USD. When you pay money in a different currency, the amount has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Who converts the payment matters. Check what USD arrives with different services before choosing one. On larger amounts, even a small gap in the rate adds up quickly.

Incoming international payments in United States

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. That means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and usually your postal address.

Find the bank in the list on this page. Certain sending banks also want your bank’s address.

Do not be surprised if the incoming amount 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. Agree with the sender who covers the fees.