First Citizens Bank SWIFT code
The SWIFT code (BIC) of First Citizens Bank in the United States is FCBTUS33XXX, as published by the bank on its own website. A SWIFT code tells banks around the world which bank should receive an international payment; the payer also needs the recipient's name, account number and the details below.
- First Citizens Bank's SWIFT code is FCBTUS33XXX.
- FCBT is the bank, US the country and 33 the location.
- Use the code on the recipient's invoice and confirm new details by a second channel.
- A US dollar payment usually passes through a US correspondent bank; choose OUR to have the full amount arrive.
First Citizens Bank SWIFT code
| Bank | First Citizens Bank |
|---|---|
| SWIFT code (BIC) | FCBTUS33XXX |
| Country | United States |
| Published by the bank | First Citizens Bank website: “International Wire SWIFT Code FCBTUS33XXX” |
Source: First Citizens Bank's own published details. Checked on 29 October 2026.
Always use the code on the recipient's invoice or account letter. Banks can publish more than one code, for example for a branch or a specific currency, and a code can change after a merger. Confirm new payment details with the recipient by a second channel before the first payment; changed bank details in an email are the most common route for payment fraud.
What FCBTUS33XXX means
A SWIFT code has 8 or 11 characters. FCBTUS33XXX breaks down as follows.
| Part | Characters | What it means |
|---|---|---|
| Bank code | FCBT | Identifies the bank |
| Country code | US | ISO country code of the bank's country |
| Location code | 33 | Identifies the location, usually the head office city |
| Branch code | XXX | XXX or no branch code means the head office |
Structure from ISO 9362, the international standard for business identifier codes, as described by Swift.
What a payment to First Citizens Bank needs
For a payment to First Citizens Bank, collect these details from the recipient:
- The recipient's full legal name, exactly as the bank holds it
- The recipient's account number, or IBAN where the country uses one
- The SWIFT code: FCBTUS33XXX
- The bank's name and city: First Citizens Bank
- A payment reference, usually the invoice number
Local identifiers: Routing number for wire transfers: 053100300 (source).
For the rules on paying into the United States, see Helm in the United States.
Sending US dollars to First Citizens Bank
A US dollar payment to a bank outside the United States usually travels through a correspondent bank in the US, which holds dollars for the receiving bank. Each bank along the route can deduct a fee when the payer chooses shared charges (SHA). Choosing OUR asks the payer's bank to cover those charges so the full amount arrives. Our guide to intermediary bank fees explains how to see and avoid the deductions.
Paying First Citizens Bank from a Helm account
From a Helm account you can pay First Citizens Bank by international wire in US dollars or, where a local payment system is available, in the local currency. The fee, the exchange rate and the expected arrival date are shown before you confirm.
Helm sets pricing for each business around its volume, currencies and rails, and agrees it in writing before the account opens. See how pricing works.
Other banks in the United States
| Bank | SWIFT code |
|---|---|
| JPMorgan Chase Bank | CHASUS33 |
| Wells Fargo | WFBIUS6S |
| Citibank | CITIUS33 |
| U.S. Bank | USBKUS44 |
| Capital One | HIBKUS44 |
| M&T Bank | MANTUS33 |
| Regions Bank | UPNBUS44 |
| First Citizens Bank | FCBTUS33 |
| Silicon Valley Bank (SVB, a division of First Citizens Bank) | SVBKUS6S |
| State Street Bank and Trust Company | SBOSUS33 |
| Bank of America | BOFAUS3N |
| PNC Bank | PNCCUS33 |
| Goldman Sachs Bank USA | GSCRUS33 |
| BNY (The Bank of New York Mellon) | IRVTUS3N |
| Truist Bank | BRBTUS33 |
| Huntington National Bank | HUNTUS33 |
| Fifth Third Bank | FTBCUS3C |
| Lead Bank | LEADUS49 |
Codes from each bank's own published details. Checked on 29 October 2026. All banks: SWIFT codes in the United States.
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USD, EUR and GBP accounts in your company's name, with a named account manager.
Open accountQuestions
What is the SWIFT code for First Citizens Bank?
First Citizens Bank's SWIFT code is FCBTUS33XXX, as published on the bank's own website and checked on 29 October 2026.
Does First Citizens Bank use different SWIFT codes for branches?
First Citizens Bank publishes FCBTUS33XXX. Some banks use other codes for branches or currencies, so use the code on the recipient's invoice or account letter and confirm it with the recipient.
Is a SWIFT code the same as a BIC?
Yes. BIC stands for business identifier code, the ISO 9362 standard; SWIFT code is the everyday name for the same code.
Is FCBTUS33XXX the same as FCBTUS33XXXXXX?
Yes. An 8-character code and the same code followed by XXX both point to the bank's head office.
What does it cost to pay First Citizens Bank from Helm?
Helm agrees pricing with your business in writing before the account opens, set around your volume, currencies and rails. The fee, the exchange rate and the expected arrival date are shown before you confirm each payment.
References
This guide is general information for businesses, not financial, legal or tax advice. Rules, fees and timings were checked against the sources listed on the review date and may change.