Fifth Third Bank SWIFT Code: FTBCUS3C

Fifth Third Bank SWIFT Code: FTBCUS3C

Fifth Third Bank's SWIFT code is FTBCUS3C — the identifier used by international banks to route wire transfers to Fifth Third Bank, National Association.

What Is the Fifth Third Bank SWIFT Code?

The Fifth Third Bank SWIFT code is FTBCUS3C. It is the primary SWIFT/BIC code for Fifth Third Bank, National Association and applies to all international wire transfers sent to Fifth Third accounts from outside the United States. You may also see it written as FTBCUS3CXXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

How to Receive an International Wire at Fifth Third Bank

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

• Bank name: Fifth Third Bank, National Association
• SWIFT/BIC code: FTBCUS3C
• Bank address: 38 Fountain Square Plaza, Cincinnati, OH 45263
• Routing number: 042000314 (Fifth Third's primary wire routing number)
• Account number: Your full Fifth Third account number
• Account holder name: Your full legal name or registered business name
• Account holder address: Your address on file with Fifth Third

Some international sending banks require both the SWIFT code and the domestic routing number to complete their wire form. Include both when distributing wire instructions to international counterparties — having the routing number available alongside SWIFT prevents back-and-forth with senders whose forms require it.

For non-USD transfers, Fifth Third 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.

Fifth Third Bank SWIFT Code vs Routing Number

Fifth Third Bank uses multiple routing numbers depending on the state where the account was opened:

• Ohio: 042000314
• Illinois: 071923909
• Michigan: 072405455
• Indiana: 074908594
• Kentucky: 083002342
• Florida: 063109935
• Tennessee: 064103833
• North Carolina/Georgia/West Virginia: 053301946

All of these routing numbers function only within the domestic 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 FTBCUS3C for: Any wire transfer originating from a bank outside the United States.

For business owners receiving vendor payments from international counterparties, give senders FTBCUS3C — not a routing number. An overseas bank cannot process a U.S. routing number in place of a SWIFT code. The routing number may be requested alongside the SWIFT code by some international senders, but FTBCUS3C is the primary identifier for cross-border routing.

Outgoing International Wires from Fifth Third Bank

To send an international wire from your Fifth Third 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

Fifth Third supports outgoing international wires in major currencies. Processing cutoff time for same-day international wire processing is generally 4:00 PM ET on business days. Wires submitted after that window are queued for the following business day.

Fifth Third charges fees for outgoing international wires — typically in the $40 to $50 range for business accounts — plus a foreign exchange spread on non-USD transfers. Processing takes one to five business days depending on destination country, currency, and whether a correspondent bank is involved in the chain.

Fifth Third Bank for Business International Payments

Fifth Third's business banking division — Fifth Third Business Banking — serves a large commercial customer base concentrated in the Midwest and Southeast. For business customers sending or receiving international wires, a few operational details matter:

Same-day wire options. Fifth Third offers same-day domestic wire processing for wires submitted before cutoff. For international wires, same-day processing at Fifth Third does not guarantee same-day receipt — international settlement times depend on the destination country and correspondent banking chain.

Business wire cutoff times. The 4:00 PM ET cutoff applies to standard business accounts. Some commercial banking relationships with Fifth Third may have different cutoff arrangements — confirm with your Fifth Third relationship manager if time-sensitive international wires are a regular part of your operations.

Correspondent banking. Fifth Third is a large regional bank with correspondent relationships covering major international corridors. For wires to common destinations — Canada, UK, EU, Mexico — direct routing is typical. For less common currencies or smaller markets, a correspondent bank may be involved, adding a fee and a day or two of processing time.

Common Mistakes with Fifth Third Bank International Wires

Using a state-specific routing number in place of SWIFT. Fifth Third's regional routing numbers are for domestic use only. An international sender who enters 042000314 or any other Fifth Third routing number into a SWIFT field will not reach a Fifth Third account. If you're distributing wire instructions to international counterparties, make FTBCUS3C prominent and omit or clearly label routing numbers as domestic-only.

Missing the bank address. Many international sending banks require the beneficiary bank's physical address for compliance screening. Fifth Third's address — 38 Fountain Square Plaza, Cincinnati, OH 45263 — should be included in all wire instructions distributed to international senders.

Account number format issues. Fifth Third account numbers vary in length by account type. A truncated or incorrectly formatted account number causes the wire to be rejected or posted to the wrong account. Confirm your full account number from Fifth Third's online banking portal before distributing wire instructions.

Providing the wrong routing number when both are requested. Some international sending banks ask for both a SWIFT code and a routing number. When this happens, provide the wire routing number — 042000314 — not your state-specific ACH routing number. Using an ACH routing number in a wire instruction context can create processing confusion.

How Slash Helps

Fifth Third serves Midwest and Southeast businesses well for core banking — stable accounts, strong regional branch presence, and commercial banking relationships built around the industries that anchor those economies. Where Fifth Third falls short is the operational spend layer: no per-vendor card controls, no real-time visibility across a distributed team, and limited tooling for businesses managing international vendor payments or contractor networks.

Slash runs alongside your Fifth Third account. Receive international wires into Fifth Third via FTBCUS3C as usual. Use Slash for operational spend: virtual cards with per-vendor spending limits, real-time transaction tracking across your entire team, cashback on business expenses, and international card spend without foreign transaction fees. For Midwest businesses managing vendor relationships across domestic and international markets — or growing teams that need expense controls without a call to a relationship manager — Slash adds the spend infrastructure that Fifth Third's business products don't provide out of the box.