What is the Bank of America SWIFT code for incoming wires?

Bank of America's primary SWIFT code for U.S. dollars or unknown currency is BOFAUS3N. For foreign currency, you can use the SWIFT code BOFAUS6S.

Do I need a SWIFT code for domestic transfers?

No, SWIFT codes are for international transfers. For domestic transfers, you'll use a routing number .

How long do international transfers take with a SWIFT code?

International wire transfers from Bank of America generally take between one and five business days, though this varies depending on the currency and the receiving bank.

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Your Guide to Bank of America SWIFT Codes

September 3, 2025

6 min Read

Written by Amber Barkley

Edited by Nupur Gambhir

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If you’re sending or receiving money internationally through Bank of America, you’ll likely need a SWIFT code. These unique identifiers ensure that funds reach the right bank, in the right country, without delays. Bank of America uses different SWIFT codes depending on whether the transfer is in U.S. dollars or a foreign currency, and knowing which one to provide can save you time, money, and frustration.

This guide covers everything you need to know about Bank of America SWIFT codes — including how to use them, where to find them, what fees to expect, how long transfers take, and how to avoid common errors.

What Is the Bank of America SWIFT Code?

Bank of America, Member FDIC, has two official SWIFT codes: BOFAUS3N for U.S. dollars and BOFAUS6S for foreign currency.

A SWIFT code is a unique identifying code used in international money transfers. If you need to receive money from a foreign bank, either in U.S. dollars or another currency, you’ll need to provide your SWIFT code.

Type of Currency	SWIFT Code	Bank Address
U.S. dollars	BOFAUS3N	Bank of America N.A. 222 Broadway New York, NY 10038
Foreign currency	BOFAUS6S	Bank of America N.A. 555 California St. San Francisco, CA 94104

If you’re unsure of the type of currency you’re receiving, you should default to the Bank of America SWIFT code for U.S. dollars: BOFAUS3N.

Fees for Using Bank of America SWIFT Transfers

Bank of America charges fees for international wire transfers that use SWIFT codes. The amount depends on whether you’re sending or receiving funds:

Incoming international wires: Typically around $15 per transfer
Outgoing international wires in U.S. dollars: Usually about $45 per transfer
Outgoing international wires in foreign currency: Generally about $35 per transfer

In addition to Bank of America’s fees, intermediary or correspondent banks may deduct extra charges as the transfer moves through the global payment network. This means the recipient may receive less than the original transfer amount.

If you send international payments often, consider comparing Bank of America’s fees with alternatives such as Wise, Revolut, or Western Union, which may offer lower costs for certain transfers.

How To Use the Bank of America SWIFT Code for International Transfers

A SWIFT code ensures that your money reaches the correct bank and account when transferring funds internationally.

Follow these steps to use a SWIFT code with Bank of America:

Obtain the recipient’s details: Collect the recipient’s name, bank account number and the SWIFT code for their bank. If you’re sending money to Bank of America, provide the SWIFT code above.
Visit your bank or online banking platform: Log in to your account online or visit a local branch to start the transfer.
Enter transfer details: Provide the recipient’s details, including their name and address, SWIFT code, account number and type, routing number, and transfer amount and currency.
Verify and confirm: Double-check all the entered details. An incorrect SWIFT code or other information may delay the transfer.
Submit the transfer: Complete the transaction and keep the receipt or confirmation number for your records.

How To Find the Right SWIFT Code for Your Bank of America Account

Finding Bank of America’s SWIFT code is easy and can be done in a few ways. Here are the best sources:

Bank of America’s website: The SWIFT codes for different types of transactions are listed on the official website.
Online banking: Log into your Bank of America account to find your account details — including SWIFT codes.
Customer service: Call Bank of America at 800-432-1000 for assistance. Representatives are available Monday through Friday from 8 a.m. to 11 p.m. and on weekends from 8 a.m. to 8 p.m. EST.
Bank statements: Your monthly bank statements may include SWIFT codes for your account.

You’ll need your Bank of America SWIFT code any time you receive a wire transfer from an international bank account.

How Long Do Bank of America SWIFT Transfers Take?

International wire transfers with Bank of America usually take:

1-2 business days for U.S. dollar transfers
2-5 business days for foreign currency transfers

However, several factors can cause delays:

Time zones and weekends: Transfers initiated late in the day or on non-business days may not process until the next business cycle
Intermediary banks: Some transfers require routing through additional banks, which can add processing time
Errors in details: Mistyped account numbers or SWIFT codes can cause transfers to bounce back

To speed things up, submit transfers early in the business day, confirm you’re using the correct SWIFT code, and double-check all recipient details.

Common Errors and How To Avoid Them

Mistakes with SWIFT transfers can be costly and time-consuming. Here are some of the most common issues Bank of America customers face, and how to prevent them:

Wrong SWIFT code: Using the USD code for a foreign currency transfer (or vice versa) can delay or reject the transaction
Incomplete recipient information: Always include the recipient’s full name, address, and account number
Currency mismatch: Make sure the transfer currency matches the SWIFT code you provide
Incorrect account type: Double-check whether funds are being sent to a checking or savings account

Taking a few minutes to verify your information before sending money can help avoid delays and unexpected fees.

FAQs About Bank of America SWIFT Codes

Here are the answers to some of the most frequently asked questions about Bank of America SWIFT codes.

What is the Bank of America SWIFT code for incoming wires?
- Bank of America's primary SWIFT code for U.S. dollars or unknown currency is BOFAUS3N.
- For foreign currency, you can use the SWIFT code BOFAUS6S.
Do I need a SWIFT code for domestic transfers?
- No, SWIFT codes are for international transfers. For domestic transfers, you'll use a routing number.
How long do international transfers take with a SWIFT code?
- International wire transfers from Bank of America generally take between one and five business days, though this varies depending on the currency and the receiving bank.

More About Bank of America

Cynthia Measom and Elizabeth Constantineau contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.