# USAA SWIFT code: why senders use IRVTUS3NXXX

> USAA has no SWIFT code of its own for incoming wires: senders route through The Bank of New York, IRVTUS3NXXX. The exact fields from USAA's instruction sheet.

- Canonical URL: https://swiftcodelookup.com/usaa-swift-code/
- Source: [USAA Federal Savings Bank, receive an international wire into a deposit account (PDF)](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf)
- Checked: 2026-10-26
- Structured data: https://swiftcodelookup.com/data/usaa-swift-code.json

## The short answer

Search for "USAA SWIFT code" and you mostly find one code: **IRVTUS3NXXX**. It does not belong to USAA. USAA's instruction sheet for receiving an international wire names it as the SWIFT BIC of the **intermediary agent, The Bank of New York**, 225 Liberty Street, New York, NY 10286 ([USAA, PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf)). The money goes to BNY first, and BNY passes it to USAA.

So a sender who types only IRVTUS3NXXX and your USAA account number has not given enough. BNY also needs to know which of its customer banks the money is for, and which account there.

## The fields, as USAA lists them

| Field on the sender's form | What USAA says to enter |
|---|---|
| SWIFT BIC | IRVTUS3NXXX |
| Intermediary agent | The Bank of New York, 225 Liberty Street, New York, NY 10286 |
| Creditor agent (the receiving bank) | USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288 |
| Creditor agent account number (USAA's account at BNY) | 8900624744 |
| Creditor account | Your USAA checking or savings account number |
| Creditor name / remittance information | The full name of the USAA account holder |

Source: [USAA, PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf). USAA's sheet says "creditor" for the person being paid and "agent" for a bank. If the sender's form asks for a "beneficiary bank" and a "beneficiary", match them to the creditor agent and the creditor.

## Loans and credit lines use other sheets

USAA publishes separate instruction sheets for a wire into a consumer loan account ([PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-consumer-loan-account.pdf)) and into a home equity line of credit ([PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-home-equity-LOC-account.pdf)). The loan sheet is not the deposit sheet with a different number. The creditor account becomes an internal USAA account (93627154050), and your loan number goes in the remittance information ([USAA, PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-consumer-loan-account.pdf)). Use the sheet that matches the account the money is for.

## Currency and rate

A wire sent in a foreign currency is converted to US dollars by the intermediary bank or another institution before USAA gets it, and your account is credited in dollars. USAA says it cannot give an exchange rate for incoming wires ([USAA, PDF](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf)). If you need to know the dollar amount, ask the sender to send US dollars from their side.

## Fee, cut-off and weekends

| Point | USAA's sheet |
|---|---|
| USAA fee to receive | None. The sending institution may charge its own |
| Cut-off | 5:00 p.m. Central Time, Monday to Friday. Later wires are applied the next business day |
| Weekends and federal holidays | Wires are not processed |

## Check the code yourself

Paste IRVTUS3NXXX into the [format checker](https://swiftcodelookup.com/). It splits into IRVT (the institution), US, 3N and the branch XXX, the primary office. The checker shows the shape only. It cannot show that the code belongs to BNY and not to USAA. That part comes from USAA's sheet. For other banks, see [US bank SWIFT codes](https://swiftcodelookup.com/us-bank-swift-codes/). For the other fields a sender abroad asks for, see [receiving an international wire](https://swiftcodelookup.com/receive-an-international-wire-in-the-us/).

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SWIFT Code Guide · Contact: contact@swiftcodelookup.com