KeyBank SWIFT Code: KEYBUS33

KeyBank SWIFT Code: KEYBUS33

KeyBank's SWIFT code is KEYBUS33 — the identifier used by international banks to route wire transfers to KeyBank National Association in the United States.

What Is the KeyBank SWIFT Code?

The KeyBank SWIFT code is KEYBUS33. It is the primary SWIFT/BIC code for KeyBank National Association — the banking subsidiary of KeyCorp — and applies to all international wire transfers sent to KeyBank accounts from outside the United States. You may also see it written as KEYBUS33XXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

How to Receive an International Wire at KeyBank

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

• Bank name: KeyBank National Association
• SWIFT/BIC code: KEYBUS33
• Bank address: 127 Public Square, Cleveland, OH 44114
• Routing number: 041001039 (KeyBank's primary wire routing number)
• Account number: Your full KeyBank account number
• Account holder name: Your full legal name or registered business name
• Account holder address: Your address on file with KeyBank

Some international sending banks require both the SWIFT code and a routing number on their wire form. Including both in your instructions prevents back-and-forth with overseas counterparties. For non-USD transfers, KeyBank may route 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.

KeyBank SWIFT Code vs Routing Number

KeyBank's routing number varies by state. Common ones include:

• Ohio: 041001039
• New York: 021300077
• Alaska: 125100089
• Colorado: 107002312
• Idaho/Oregon/Utah/Washington: 123002011
• Maine/Vermont: 011200365
• Michigan: 041200010

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 KEYBUS33 for: Any wire transfer originating from a bank outside the United States.

KeyBank's geographic spread across the Northeast, Midwest, and Pacific Northwest means its routing numbers vary more than many regional banks. When an international sender requests your routing number alongside the SWIFT code, provide your state-specific wire routing number — not an ACH number from a different region. For international routing, KEYBUS33 is what matters; the routing number is supplementary.

Outgoing International Wires from KeyBank

To send an international wire from your KeyBank 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

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

KeyBank 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. For business customers with KeyBank commercial banking relationships, confirm your fee structure with your KeyBank relationship manager, as commercial terms may differ from standard published rates.

KeyBank Business Banking and International Payments

KeyBank's business banking division serves commercial customers across its footprint with a range of treasury and payment services. For business customers managing international wire activity:

Business checking wire capabilities. KeyBank business checking accounts support both incoming and outgoing international wire transfers. Standard business accounts have wire initiation available through KeyBank's online banking platform for most transaction types, which is operationally cleaner than banks that require phone initiation for international wires.

Wire limits. KeyBank may impose daily or per-transaction limits on outgoing international wires for standard business accounts. For large or high-frequency international wire activity, confirm your account's applicable limits with KeyBank directly — commercial banking relationships often come with higher or negotiated limits.

International treasury services. KeyBank offers treasury management services for commercial clients that include international payment capabilities, FX rate management, and correspondent banking support. For businesses with significant international wire volume, KeyBank's treasury team can structure arrangements that differ from standard retail wire fees and FX spreads.

Common Mistakes with KeyBank International Wires

Using a state-specific routing number in place of SWIFT. KeyBank has routing numbers across multiple states, but none of them work for international wire transfers. An overseas sender who enters a KeyBank routing number into a SWIFT code field will not reach a KeyBank account. Make KEYBUS33 the prominent identifier in any wire instructions shared with international counterparties, and label routing numbers as domestic-only.

Missing the beneficiary address. International sending banks frequently require the account holder's physical address for compliance. Omitting it causes holds that delay posting by one to several business days.

Wrong account type. KeyBank offers both personal and business checking accounts with different account number formats. A sender who has personal account details on file for a business account holder — or vice versa — may provide an incorrect account number. Always confirm the full account number for the specific account you want to receive wires into from KeyBank's online banking portal.

Providing the wrong routing number when both are requested. KeyBank's ACH and wire routing numbers may differ by state. When an international sender's form asks for a routing number alongside the SWIFT code, provide the wire routing number — 041001039 for Ohio accounts — not an ACH-specific number.

How Slash Helps

KeyBank serves Northeast, Midwest, and Pacific Northwest businesses well for core commercial banking — established treasury services, a reasonable online business banking platform, and geographic coverage across a wide footprint. Where it falls short is the operational spend layer: no per-vendor card controls, limited real-time visibility across distributed teams, and no built-in tooling for managing international vendor payments or tracking expenses across departments without waiting for statements.

Slash runs alongside your KeyBank account. Receive international wires into KeyBank via KEYBUS33 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 Northeast and Midwest businesses managing vendor relationships across domestic and international markets — or growing teams that have outpaced what a regional bank's business products can support — Slash adds the control layer that KeyBank doesn't provide at the transaction level.