Ally Bank SWIFT Code: ALLYUS33

Ally Bank SWIFT Code: ALLYUS31

Ally Bank's SWIFT code is ALLYUS31 — the identifier used by international banks to route wire transfers to Ally Bank in the United States.

What Is the Ally Bank SWIFT Code?

The Ally Bank SWIFT code is ALLYUS31. It is the primary SWIFT/BIC code for Ally Bank and applies to international wire transfers sent to Ally accounts from outside the United States. You may also see it written as ALLYUS31XXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

How to Receive an International Wire at Ally Bank

To receive an international wire into your Ally Bank account, give the sender the following:

• Bank name: Ally Bank
• SWIFT/BIC code: ALLYUS31
• Bank address: 110 West 44th Street, New York, NY 10036
• Routing number: 124003116
• Account number: Your full Ally Bank account number
• Account holder name: Your full legal name
• Account holder address: Your address on file with Ally

Ally uses a single routing number for all accounts nationwide — 124003116 — which simplifies things compared to banks that vary routing numbers by state. Some international sending banks ask for a routing number alongside the SWIFT code; providing both ensures the wire can be processed regardless of the sending bank's form requirements.

For non-USD transfers, Ally may route the wire through a correspondent bank before funds reach your account. Confirm with your sender whether an intermediary is required for the specific currency and originating country.

Does Ally Bank Support Outgoing International Wires?

Yes, with limitations. Ally Bank does support outgoing international wire transfers from checking accounts. To initiate an outgoing international wire, you need to contact Ally directly — outgoing international wires cannot be initiated through Ally's standard online banking interface and must be processed through Ally's support team by phone.

Ally's outgoing international wire capability is functional but not optimized for high-frequency business use. The requirement to initiate by phone rather than through a digital interface adds friction that matters for businesses sending multiple international payments per month. For one-time or infrequent outgoing international wires, it works. For regular international payables, it is operationally slow.

Ally Bank SWIFT Code vs Routing Number

Ally Bank's single routing number — 124003116 — applies to all Ally accounts regardless of where the account holder is located. This routing number functions only within the U.S. banking system.

Use the routing number for: Domestic ACH transfers, U.S. payroll, direct deposit, domestic wire transfers between U.S. banks.

Use ALLYUS31 for: Any wire transfer originating from a bank outside the United States.

Ally's uniform routing number is one of the cleaner aspects of its account structure — no state-specific lookup needed. But for international senders, the routing number is irrelevant. If an overseas client or employer asks for your banking details to send a wire, provide ALLYUS31 alongside your account number. A routing number alone will not reach Ally from an international bank.

Ally Bank Wire Transfer Fees

Incoming domestic wires: Free at Ally Bank — no receiving fee for domestic wire transfers.

Incoming international wires: Ally charges a fee for incoming international wire transfers. The fee is currently $15 per incoming international wire, deducted from the received amount.

Outgoing domestic wires: $20 per transfer for outgoing domestic wires initiated through Ally.

Outgoing international wires: Ally charges for outgoing international wires — confirm the current fee with Ally directly, as this is subject to change and must be initiated through their support team rather than the standard online interface.

Compared to traditional banks that charge $35 to $50 for outgoing international wires, Ally's fee structure is competitive on the receiving side. The friction is operational rather than financial — the phone-based initiation requirement for outgoing international wires is the real cost for business users, not the fee itself.

Ally Bank for Business: Limitations to Consider

Ally Bank does not offer a business banking product. There is no business checking account, no business savings account under an EIN, no business debit card, and no business-specific features anywhere on the platform. Everything Ally offers is built for individual consumers.

For freelancers and sole proprietors using Ally's high-yield savings account while also needing to receive occasional international payments, the SWIFT code works and the $15 incoming wire fee is reasonable. The limitations appear when the volume or complexity of international payments grows:

Outgoing international wires require a phone call. There is no way to issue cards to teammates or manage shared business expenses. There is no per-vendor spending control, no real-time transaction visibility across a team, and no business entity structure for accounting or tax purposes. Ally's value proposition — high-yield savings, no fees, clean digital experience — is real, but it is a personal banking product that happens to accept international wires, not a platform built for business international payments.

For any business owner whose international payment needs are growing beyond occasional incoming wires, Ally's consumer banking infrastructure will become a constraint before long.

How Slash Helps

Ally is a solid personal banking product. For business owners who have outgrown it — or who are using it as a stopgap while looking for something purpose-built — Slash is the direct upgrade.

Slash is built from the ground up for businesses: dedicated business accounts, SWIFT-enabled international wire support, virtual and physical cards with per-vendor spending limits, real-time transaction visibility across your entire team, cashback on business expenses, and international card spend without foreign transaction fees. Outgoing international payments don't require a phone call. Expense tracking doesn't require manual reconciliation at month end. And the account is structured for a business entity — not retrofitted from a consumer savings product.

If you're a founder, operator, or small business owner using Ally because it was the easiest thing to set up, Slash is what you switch to when the business needs more than a high-yield savings account and a wire routing number.