Wiring to the US: ABA Routing Number vs. SWIFT Code
The US banking system processes domestic and international wire transfers differently. Choose the correct code based on your transfer method:
1. International Wire Transfers 👉 Use a SWIFT Code
If you are wiring funds from outside the US (e.g., UK, Japan, Taiwan), you must provide the 8 to 11-character SWIFT Code of the receiving bank. This is an international standard ensuring cross-border routing accuracy.
If you are wiring funds from outside the US (e.g., UK, Japan, Taiwan), you must provide the 8 to 11-character SWIFT Code of the receiving bank. This is an international standard ensuring cross-border routing accuracy.
2. US Domestic Transfers (Wire / ACH) 👉 Use a Routing Number (ABA)
If you are transferring money between US bank accounts, or using third-party remittance platforms like Wise, you will typically need the 9-digit Routing Number (ABA). Please note that many banks have separate routing numbers for Wire transfers and ACH (direct deposits/bill pay), so ensure you select the correct one for your transaction type.
If you are transferring money between US bank accounts, or using third-party remittance platforms like Wise, you will typically need the 9-digit Routing Number (ABA). Please note that many banks have separate routing numbers for Wire transfers and ACH (direct deposits/bill pay), so ensure you select the correct one for your transaction type.