What is the SWIFT code for PNC Bank?

3 minute read

If you’ve never really thought about how your money gets “sent” overseas when you make an international transfer, you’re far from alone. Whether we realize it or not, however, there’s one system that works behind the scenes to make sending money to your nephew in Germany almost as easy as making a transfer within your own account.

The Society for Worldwide Interbank Financial Telecommunications - usually referred to as just SWIFT - is a messaging system used by banks to send information quickly and securely using a predetermined code system. Don’t be fooled by the name, though. SWIFT transfers aren’t well-known for being fast. However, almost 10,000 financial institutions are SWIFT members, and every day the system handles almost 25 million messages. That’s a lot of money!

The system only requires senders to have a bank account and the unique SWIFT code for their recipient’s bank. Though your money will still make its way through anywhere from 1-5 total banks - all of whom charge a fixed fee - having the correct destination SWIFT code will ensure your money makes it to the right place.

SWIFT codes are different at every branch; so this article will walk you through everything you’ll need to know to make sure you get the right PNC SWIFT code for your international transfer.

What’s the SWIFT code for PNC bank?

The BIC/SWIFT code for PNC Bank is PNCCUS33. If you’re making an international transfer to a PNC bank account or are receiving money to your PNC bank account, you’ll need to have that SWIFT code along with the following information:

Bank namePNC Bank
Bank address, city & stateFirstside Center Mail Stop P7-Pfsc-03-W 500 First Avenue, Pittsburgh, PA 15219 USA
Beneficiary Account NumberComplete PNC bank account number of the recipient (including leading zeros)
Beneficiary NameThe name of the recipient as it appears on a bank statement

What’s a SWIFT Code?

SWIFT codes are also known as Business Identifier Codes (BICs). They’re essentially international bank codes used to identify banks and financial institutions around the globe. These codes show individuals working in the industry which bank they’re dealing with and where in the world the bank is located. Getting the correct swift code for PNC bank is crucial when sending international wire transfers.

A SWIFT code consists of 8-11 characters:

  • AAAA - Bank Code
  • BB - Country Code
  • CC - Location Code
  • DDD - Optional Branch Code

What’s the difference between a SWIFT code, a BIC, an IBAN and a routing number?

During international transactions, SWIFT codes help to identify a specific bank while an IBAN is used to identify which individual’s account the money should be assigned to. IBAN is short for International Bank Account Number. Every bank account in the European Union has an IBAN, as well as accounts in countries likes Hungary, Liechtenstein, Norway and Switzerland. An IBAN consists of a code that identifies the country, the account holder’s specific bank branch as well as their account number.

Banks and other financial institutions in the US use routing numbers which are similar to the SWIFT codes used internationally. The big difference is that routing numbers are only used within the United States for domestic transfers while SWIFT codes are mainly used in international money transfers.

Do SWIFT codes change from branch to branch?

Yes, and you can check the correct SWIFT codes for your particular PNC branch online.

What other ways can I send or receive money to my PNC bank account?

SWIFT is the most commonly used system by banks and large financial institutions, and while making transfers this way is the norm, it’s not always the fastest nor most cost-efficient.

As an alternative, consider using TransferWise. Unlike traditional banks and money transfer services, TransferWise offers a fair exchange rate - the same one you find on Google - and because all transfers go through local banking systems in the sending and receiving currencies, you’ll get to cut out the hefty international sending and receiving fees.

TransferWise also offers an incredibly high level of security and speed for your transfer, and the transaction can be handled online, making it an easy choice for most people.

TransferWise is the smart, new way to send money abroad.

Find out more