American Express Routing Number & SWIFT Code (2026)
Looking for your American Express routing number, wire transfer number or SWIFT/BIC code? Below are the numbers you need for direct deposits, domestic wires and international transfers — plus how to confirm the right one for your account.
Routing numbers can depend on the state where you opened your account. Before sending money, always confirm the number on the bottom-left of your check, in your banking app, or on American Express's official site.
How to find your American Express routing number
For American Express National Bank (savings, personal loans), find your routing number in your online account or via the official link below before setting up a transfer.
- On a check: the 9-digit number in the bottom-left corner.
- In the app / online banking: under account details.
- By phone: call American Express at 1-800-446-6307.
Wire vs ACH vs SWIFT — which number do I use?
| Transfer type | Use this | Speed |
|---|---|---|
| Direct deposit / bill pay (ACH) | Your state ACH routing number | 1–3 days |
| Domestic wire transfer | Confirm with bank | Same day |
| International transfer | AEIBUS33 (SWIFT) | 1–5 days |
Frequently asked questions
What is the American Express wire transfer routing number?
American Express domestic wire routing numbers can vary by account and region. Confirm your wire routing number with American Express or in your account details before sending a wire.
What is the American Express SWIFT/BIC code?
The SWIFT/BIC code for American Express is AEIBUS33. You need this code to receive international (foreign) wire transfers.
What is the difference between an ACH and a wire routing number?
An ACH routing number is used for direct deposits, bill payments and standard electronic transfers. A wire routing number is used for same-day domestic wire transfers. They can be different numbers at the same bank.
How do I find my American Express routing number?
For American Express National Bank (savings, personal loans), find your routing number in your online account or via the official link below before setting up a transfer. You can also call American Express at 1-800-446-6307.
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Last reviewed June 2026 by the Buzdy editorial team. Numbers are provided for convenience only — always verify with American Express before transacting.