Is SWIFT the same as a routing number?

No, a SWIFT code isn't the same as a routing number. SWIFT codes are used for international money transfers, while routing numbers are used for domestic transfers in the U.S.

How do I find my bank's SWIFT code?

Check your online banking account for your bank's SWIFT code. Alternatively, contact customer service or go into a branch to ask for it.

What is an international routing number?

An international routing number, more commonly known as an international bank account number (IBAN), is a unique identifier used for international payments. IBAN formats vary depending on the country.

The Difference Between Swift Codes and Routing Numbers

Swift Code vs. Routing Number: What's the Difference?

By Lyle Daly – Updated Feb 4, 2026 at 9:55 AM EST

Key Points

SWIFT codes facilitate international money transfers using unique identifiers ranging from eight to 12 characters.
Routing numbers are nine digits that direct domestic U.S. transfers.
The right type of code simply depends on whether you're making a domestic or international transfer.

Ever wondered how financial institutions exchange cash from account to account or even from country to country? The key is the use of specialized codes -- SWIFT codes and routing numbers -- that tell the financial system where and how to send money.

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SWIFT code vs. routing number FAQs

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About the Author

Lyle Daly is a contributing Motley Fool stock market analyst covering information technology and cryptocurrency. Lyle has been a contributor at the financial services company since 2018. His work has been featured on USA Today, Yahoo Finance, MSN, Fox Business, and Nasdaq. Before joining The Motley Fool, he wrote for financial brands including Intuit.

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