Wire Transfers to the USA: Routing Number vs. SWIFT Code
The US banking system relies on two different codes depending on where the money is coming from. Make sure you use the correct one to avoid rejected transfers:
1. International Wire Transfer 👉 Use SWIFT Code (8-11 chars)
If you are sending money to the US from overseas (e.g., UK, Australia, Hong Kong), you must use the SWIFT Code. Some foreign banks may also ask for the ABA Routing Number as a reference.
If you are sending money to the US from overseas (e.g., UK, Australia, Hong Kong), you must use the SWIFT Code. Some foreign banks may also ask for the ABA Routing Number as a reference.
2. Domestic ACH / US Wire Transfer 👉 Use Routing Number (9 digits)
If you are already inside the US, or using a localized transfer service like Wise, you only need the 9-digit ABA Routing Number and the recipient's account number. Do not use the SWIFT code for domestic transfers.
If you are already inside the US, or using a localized transfer service like Wise, you only need the 9-digit ABA Routing Number and the recipient's account number. Do not use the SWIFT code for domestic transfers.