Bank of America SWIFT Code: BOFAUS3N

Bank of America SWIFT Code: BOFAUS3N

Bank of America's primary SWIFT code is BOFAUS3N — the identifier used by banks worldwide to route international wire transfers to Bank of America, N.A.

What Is the Bank of America SWIFT Code?

The main Bank of America SWIFT code is BOFAUS3N. This is the code to use for the majority of incoming international wire transfers in U.S. dollars.

Bank of America also uses two additional SWIFT codes depending on the transfer type and origin:

• BOFAUS3N — Primary code. Use this for most incoming USD wire transfers.
• BOFAUS6S — Used for wires originating from certain West Coast branches and some international corridors.
• BOFAUS33 — Used for specific wire types, including some non-USD transfers routed through Bank of America's intermediary processing.

If you're unsure which to use, BOFAUS3N is the safe default for incoming USD wires. For non-USD transfers, confirm with your sender's bank before initiating.

Multiple Bank of America SWIFT Codes Explained

Most large U.S. banks have a single SWIFT code. Bank of America is an exception, and it causes real problems for businesses that wire to the wrong one.

Here's how to think about it:

BOFAUS3N is the general-purpose code for Bank of America, N.A. It handles the vast majority of incoming international wires denominated in U.S. dollars. When in doubt, this is the code to give.

BOFAUS6S was historically associated with Bank of America's West Coast operations. Some international banks — particularly in Asia-Pacific — still route to this code based on legacy correspondent relationships. If a sender's bank flags BOFAUS3N as unrecognized or returns an error, try BOFAUS6S as an alternative.

BOFAUS33 appears in some wire instruction sets for non-USD transfers or for transactions routed through specific intermediary banks. It is less commonly required but may come up if you're receiving wires in foreign currencies before conversion to USD.

If you're a business receiving high-volume international payments, confirm with Bank of America directly which code applies to your specific account and the currencies you're receiving.

How to Wire Money to a Bank of America Account

To send an international wire to a Bank of America account, the sender needs the following:

• Bank name: Bank of America, N.A.
• SWIFT/BIC code: BOFAUS3N (or BOFAUS6S if specified)
• Bank address: 222 Broadway, New York, NY 10038
• Account number: The recipient's full Bank of America account number
• Account holder name: Full legal name or registered business name
• Account holder address: Address on file with Bank of America

For transfers in foreign currencies, Bank of America will convert to USD upon receipt. Currency conversion fees apply and the exchange rate used is set by Bank of America at the time of processing — not the mid-market rate. For large transfers, the spread on that conversion can be material.

Bank of America SWIFT vs Routing Number

Bank of America's routing number varies by state — the most common is 026009593 for the eastern U.S. — but routing numbers only work within the domestic U.S. banking system.

Use the routing number for: ACH direct deposits, domestic payroll, domestic wire transfers, check processing.

Use the SWIFT code for: Any wire transfer originating from outside the United States.

If an international vendor, client, or bank asks for a routing number, what they need is the SWIFT code. Sending BOFAUS3N where they ask for a routing number will not work — the systems don't overlap.

Incoming vs Outgoing International Wires at Bank of America

Incoming wires typically post within one to two business days of the sending bank releasing the funds. Bank of America charges a receiving fee — currently $15 for most personal accounts and variable for business accounts depending on your relationship tier. Check your account agreement for the exact amount.

Outgoing international wires from Bank of America require you to initiate through online banking or a branch. Processing takes one to five business days depending on the destination country and currency. Bank of America charges a sending fee in addition to a foreign exchange spread on non-USD transfers.

For large business transfers — typically above $10,000 — Bank of America may request documentation about the source of funds or purpose of the transfer. This is standard compliance practice under U.S. anti-money-laundering regulations. Having invoices or contracts on hand speeds up the process.

Common Errors When Sending to Bank of America

Using the wrong SWIFT code. Sending to BOFAUS6S when the account is set up for BOFAUS3N — or vice versa — is the most common cause of failed or delayed wires. When the wire hits the wrong processing path, it either gets returned or held for manual review.

Missing the beneficiary address. Many international sending banks require a physical address for the account holder, not just the account number. Omitting it causes compliance holds on the receiving end.

Currency mismatch. If a sender initiates a wire in EUR or GBP expecting Bank of America to hold it in that currency, they'll be surprised — Bank of America converts to USD on receipt. If your business needs to hold foreign currency balances, Bank of America's standard accounts aren't built for that use case.

Sending to an old or closed account number. Bank of America doesn't automatically forward wires to updated account numbers. If the account number has changed, update your wire instructions with every sender individually.

How Slash Helps

If your business receives large vendor payments or client wires into Bank of America, that's a reasonable setup — BoA offers stability, FDIC coverage up to $250K, and broad correspondent bank relationships worldwide.

Where it falls short is operational spend. Bank of America's business debit and credit products don't give you per-card controls, real-time spend visibility across your team, or cashback on the categories where startups and SMBs actually spend money.

Slash runs alongside your Bank of America account. Receive international wires into BoA as you normally would. Use Slash for everything else: issuing virtual cards to vendors and teammates, earning cashback, managing international card spend without foreign transaction fees, and tracking every transaction in real time without waiting for a monthly statement.