Quick answer
- Bank name
- M&T Bank
- International wire routing number
- 022000046
- 8-character SWIFT / BIC
- MANTUS33
- 11-character SWIFT / BIC
- MANTUS33XXX
- Head-office / receiving address
- One M&T Plaza, Buffalo, NY 14203, United States
- Primary source
- Official bank source
Before sending: Bank identifiers and routing instructions can vary by account, branch, state, currency, or business unit. Confirm current details with the recipient and receiving bank before sending an irreversible wire.
Information needed for an incoming wire to M&T Bank
- Recipient's legal name
- Complete recipient account number
- SWIFT / BIC: MANTUS33
- Account branch name and address
- Transfer purpose and currency
- Any correspondent-bank instructions
Use the bank's current incoming-wire instructions. Branch, account, currency, and correspondent-bank requirements may vary by route.
8-character vs. 11-character SWIFT Code
| Format | This bank | Purpose |
|---|---|---|
| 8 characters | MANTUS33 | Identifies the bank, country, and location |
| 11 characters | MANTUS33XXX | Adds a branch or processing-unit identifier |
Common entry errors
- Putting the domestic bank code 022000046 in the SWIFT field.
- Using a recipient name that does not match the account.
- Leaving out branch details, recipient address, or transfer purpose.
- Confusing the number 0 with the letter O.
Frequently asked questions
What is the SWIFT Code for M&T Bank?
The 8-character BIC is MANTUS33. If a form requires 11 characters, use MANTUS33XXX unless the receiving bank provides a different branch-specific BIC.
Can I use either the 8-character or 11-character BIC?
Use the format requested by the transfer form and receiving bank. Bank identifiers and routing instructions can vary by account, branch, state, currency, or business unit. Confirm current details with the recipient and receiving bank before sending an irreversible wire.
What else should I confirm before sending?
Verify the recipient name, complete account number, branch details, transfer purpose, currency eligibility, and any correspondent-bank instructions.
Sources and disclaimer
The primary source is the official bank source, checked on 2026-07-18.
Banks may change routing paths, addresses, fees, or required documents. This website provides reference information and is not a bank or remittance provider.