Capital One SWIFT Code: HIBKUS44

Capital One SWIFT Code: HIBKUS44

Capital One's SWIFT code is HIBKUS44 — the identifier used by international banks to route wire transfers to Capital One, N.A.

What Is the Capital One SWIFT Code?

The Capital One SWIFT code is HIBKUS44. It is the primary SWIFT/BIC code for Capital One, N.A. and is used for international wire transfers sent to Capital One accounts in the United States. You may also see it written as HIBKUS44XXX — the XXX suffix indicates no specific branch, and both formats are accepted.

One code to be aware of: HIBKUSH1 is the SWIFT code for Capital One Bank (Canada Branch), not U.S. accounts. If you're a Canadian entity wiring to a U.S. Capital One account, use HIBKUS44. HIBKUSH1 is only relevant for transactions involving Capital One's Canadian operations.

How to Receive an International Wire at Capital One

To receive an international wire into your Capital One account, give the sender the following:

• Bank name: Capital One, N.A.
• SWIFT/BIC code: HIBKUS44
• Bank address: 1680 Capital One Drive, McLean, VA 22102
• Account number: Your full Capital One account number
• Account holder name: Your full legal name or registered business name
• Account holder address: Your address on file with Capital One

For non-USD transfers, Capital One may route the wire through a correspondent bank before it reaches your account. Ask your sender to confirm with their bank whether an intermediary is required for the specific currency and originating country. Missing intermediary details is the most common reason international wires to Capital One arrive late or get returned.

Capital One SWIFT Code vs Routing Number

Capital One's routing number varies by state. Common ones include 051405515 for accounts opened in Virginia and 056073612 for accounts opened in other states — but routing numbers only operate within the U.S. banking system.

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

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

For businesses receiving payments from international clients or vendors, this distinction matters. An overseas bank cannot process a U.S. routing number. If a sender asks for your routing number and they're wiring from outside the U.S., give them HIBKUS44 instead.

Sending International Wires from Capital One

To send an international wire from your Capital One account, you'll need the following about the recipient:

• Recipient's full name or registered business name
• Recipient's account number or IBAN
• Recipient bank's SWIFT/BIC code
• Recipient bank's name and address
• Transfer amount and currency

Capital One's cutoff time for international wire processing is generally 2:00 PM ET on business days — earlier than most major banks. Wires submitted after that window are processed the following business day, which can add meaningful delays for time-sensitive business transfers.

Processing typically takes one to five business days depending on the destination country, currency, and whether a correspondent bank is involved.

Capital One Wire Transfer Fees and Exchange Rates

Capital One charges a flat fee for outgoing international wires, typically in the range of $40 to $50 for business accounts, though the exact amount depends on your account type and relationship tier. Incoming international wires may also carry a receiving fee — confirm with Capital One for your specific account terms.

For non-USD transfers, Capital One applies a foreign exchange markup above the mid-market rate. The spread is not published and is set at the time of conversion. On large transfers, this markup can represent a significant cost that isn't obvious from the fee schedule alone. If you're regularly receiving high-value wires in foreign currencies, compare the all-in conversion rate Capital One offers against dedicated FX transfer services before defaulting to the bank's conversion.

Common Errors Wiring to Capital One

Using the wrong legal entity name. Capital One Financial Corporation is the parent holding company — it is not the bank. Wire instructions should list Capital One, N.A. as the bank name. Some senders copy the name from a website or card and use the wrong entity, which can cause processing delays or rejection at the correspondent bank level.

Using a routing number instead of a SWIFT code. Routing numbers don't work for international wires. If a sender based outside the U.S. uses your routing number in place of HIBKUS44, the wire will not reach your account.

Missing the beneficiary address. Capital One requires the account holder's physical address for most incoming international wires. Senders who leave this field blank trigger compliance reviews that delay posting.

Using HIBKUSH1 for a U.S. account. The Canadian branch code is not interchangeable with the U.S. SWIFT code. A wire sent to HIBKUSH1 intended for a U.S. account will not reach its destination.

How Slash Helps

Capital One's business accounts work fine for standard banking — domestic payroll, ACH, and incoming wires from U.S. clients. The gaps show up when your business operates internationally or needs tighter controls over day-to-day spend.

Slash runs alongside your Capital One account. Receive wires and manage cash in Capital One as usual. Use Slash for the operational layer: virtual cards with per-vendor spending limits, real-time visibility across every transaction your team makes, cashback on business expenses, and international card spend without foreign transaction fees. For businesses paying overseas contractors, managing SaaS subscriptions across multiple team members, or tracking spend across departments, Slash adds the controls that Capital One's business products don't provide out of the box.