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

United States: banks and their SWIFT/BIC codes

On this page you find codes for 3498 banks in United States – 5781 codes altogether. A BIC tells every bank in the chain exactly which bank is meant to get an international payment.

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

Paying in USD: what conversion costs you

United States uses the US Dollar (USD). A payment in a foreign currency is converted into USD on its way to the recipient.

Who converts the payment makes a difference, because each party uses its own rate. Check what USD the recipient gets with different providers; the difference between options can be larger than you expect. Rates for USD move during the day – some providers let you lock in a rate.

How long does a transfer to United States take?

How fast a payment reaches United States is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made late in the day or just before weekends and holidays usually start the next business day.

When a payment takes longer than expected, ask the sender to contact the sending bank. Keep the payment confirmation until the recipient confirms – you will need it if something goes wrong.

Bank or transfer service for United States?

What you pay for a transfer to United States has several parts, and the fee on your screen is only one of them. Besides a fixed fee, intermediary banks may take a cut and, if currencies are converted, the bank often applies a rate below the real market rate.

The markup on the rate is often the largest cost item, even though it is not listed as a fee. An easy check: set the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate with clearer fees. GoldexPay lists transfer services side by side, showing what actually arrives in United States for the same amount sent.

What the letters in a United States BIC mean

Each SWIFT/BIC code has eight or eleven characters, always in the same order. It starts with four letters for the bank, followed by a two-letter country code and two characters for the location.

No matter which bank, every code from United States share the same fifth and sixth letters. If those two letters point to another country, you are looking at a bank somewhere else.

When a code ends in XXX, it refers to the main office and the short version works just as well. Use a branch code only if the recipient explicitly gives you one – otherwise stick with the head office.

What a sender needs to pay you in United States

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. In practice that means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and usually your address.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. Some banks also want the name and address of your bank, so keep it at hand.

The amount you receive is often lower than the amount sent. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. For business payments, state how the fees are split, so nobody is left short.

Why a transfer to United States needs a SWIFT code

Since United States does not belong to SEPA, a transfer from abroad normally goes as a SWIFT payment. This means you always need the SWIFT/BIC code of the recipient’s bank.

Not all countries use IBAN numbers. Ask the recipient exactly which details their bank requires for payments from abroad. Before it arrives, a transfer may pass through correspondent banks.

Which bank in United States has the most codes?

Citadel Investment Group, L.l.c. tops the list of United States banks in the number of SWIFT/BIC codes. Its main office uses CITGUS44XXX and that code covers most payments.

Many codes often means separate codes for branches, departments or services. Making a payment to Citadel Investment Group, L.l.c.? Use CITGUS44XXX unless a specific branch code is requested.

SWIFT codes in United States: banks under :letter

Here you see a filtered list: only institutions in United States with a name starting with :letter. The figures for United States on this page apply to every bank we list, not just the ones under :letter.

If a bank is missing here, try another letter. The full overview for United States is available when you cannot find the bank here.

How reliable is this list?

The best place to find the correct BIC remains a document from the bank itself. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

We gather bank codes from public sources and update them regularly. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Before a payment that matters, confirm the code with the recipient’s bank. GoldexPay is an independent comparison site for money transfers, not a bank.

Fraudsters often use payment requests carrying new bank details from what looks like a familiar address. Always confirm changed details through a separate channel, using a number you already had.