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🇺🇸 Sending to United States of America

US · USA · +1 · North America

USD

National format   SWIFT BIC required

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Required information

  • Account number

    6-17 digits depending on bank; no IBAN.

  • SWIFT BIC

    Beneficiary bank BIC (8 or 11 characters).

  • ABA Routing Number

    9 digits (or 4-digit CHIPS participant code as alternative)

  • Purpose-of-payment code (strongly advised)

    See purpose-of-payment section for the required scheme.

  • Beneficiary address

    Match the address template — partial addresses cause holds.

For your end users

Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.

Real-Time Alternative

FedNow (Federal Reserve) / RTP (The Clearing House)

Last reviewed by GIB compliance on 2026-05-20. Reference material only.

  • Currency

    USD

  • Typical settlement

    Same day (Fedwire) for USD; 1-2 days for international.

  • SWIFT BIC

    Required

  • Local clearing

    Fedwire (FedNow for instant) / CHIPS

Account format

How beneficiary account numbers are structured for United States of America. Failure to match this format is the single most common reason wires are rejected at the destination.

Field Value
Format tier National format
Length 6-17 digits depending on bank; no IBAN.

Routing identifiers

Which routing codes the wire-creation API call must include for United States of America.

Field Value
SWIFT BIC Required
ABA Routing Number Required
Format 9 digits (or 4-digit CHIPS participant code as alternative)
Directory ↗ Source
Local clearing Fedwire (FedNow for instant) / CHIPS

Address format

How United States of America expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.

  1. Recipient's full name
  2. Building number and street address
  3. City, state, and ZIP Code
  4. Country
Field Value
Postal code Optional — validated against the format below when provided
Postal code regex ^\d{5}([\-]?\d{4})?$
Postal example 90210
Example John Doe
969 Cox Rd
Gastonia, NC 28054-3455
USA

Purpose of payment

Put a code from the ISO 20022 list in <Purp><Cd> (purpose_code). Requirement: Highly recommended GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.

Not yet confirmed

We have not yet confirmed this country's purpose-of-payment requirement against a central-bank or correspondent-bank source. Including a purpose is recommended. We update these guides as we confirm each country.

Remittance info

Extra content the regulator requires inside the free-text remittance field, beyond the purpose-of-payment code.

Use account number OR CHIPS Universal Identifier (UID) - 6 digits.

Operational notes

Field Value
Currencies accepted USD
Typical settlement Same day (Fedwire) for USD; 1-2 days for international.
Banking holidays ↗ Calendar

Known issues:

  • Non-residents can hold in-country accounts.
  • Beneficiary bank requires either ABA Routing Number (9 digits) or CHIPS participant code (4 digits).

Common rejection reasons

Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.

Wrong ABA Routing Number or CHIPS UID.
Beneficiary name truncated or mismatched.
Missing intermediary-bank instruction for non-USD wires.
Sanctions or compliance hold (OFAC).

Validate before you send

Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.

BIC lookup

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References

First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.

Disclaimer

These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.

Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.

For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.

Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.

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