M&T Bank SWIFT Code: MANTUS33

M&T Bank SWIFT Code: MANTUS33

M&T Bank's SWIFT code is MANTUS33 — the identifier used by international banks to route wire transfers to Manufacturers and Traders Trust Company (M&T Bank).

What Is the M&T Bank SWIFT Code?

The M&T Bank SWIFT code is MANTUS33. It is the primary SWIFT/BIC code for Manufacturers and Traders Trust Company — operating commercially as M&T Bank — and applies to all international wire transfers sent to M&T Bank accounts from outside the United States. You may also see it written as MANTUS33XXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

M&T Bank and People's United Bank: SWIFT Code Change

M&T Bank completed its acquisition of People's United Bank in April 2022 and fully converted People's United accounts to M&T systems through 2022 and into 2023. As part of that conversion, People's United's SWIFT code was retired.

If you were a People's United Bank business customer and have wire instructions on file with international vendors, clients, or partner banks that reference People's United or its SWIFT identifier, those instructions are now outdated. Any wire sent to the old People's United SWIFT code will not reach an M&T Bank account.

The correct SWIFT code for all former People's United accounts that converted to M&T is now MANTUS33. Audit any outstanding international wire instructions referencing People's United and update them immediately. As with any bank acquisition conversion, the update needs to happen proactively — M&T will not automatically forward wires sent to the retired People's United SWIFT code.

How to Receive an International Wire at M&T Bank

To receive an international wire into your M&T Bank account, give the sender the following:

• Bank name: Manufacturers and Traders Trust Company (M&T Bank)
• SWIFT/BIC code: MANTUS33
• Bank address: One M&T Plaza, Buffalo, NY 14203
• Routing number: 022000046 (M&T's primary wire routing number)
• Account number: Your full M&T Bank account number
• Account holder name: Your full legal name or registered business name
• Account holder address: Your address on file with M&T

Some international sending banks require both the SWIFT code and a domestic routing number on their wire form. Including both in your wire instructions prevents back-and-forth with overseas counterparties whose systems prompt for both fields.

For non-USD transfers, M&T Bank 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 before the wire is initiated.

M&T Bank SWIFT Code vs Routing Number

M&T Bank uses multiple routing numbers depending on the state where the account was opened:

• New York: 022000046
• Pennsylvania: 031302955
• Maryland/Washington D.C./Virginia/West Virginia: 052000113
• Delaware/New Jersey/Connecticut/Maine/Massachusetts/New Hampshire/Vermont: 011600033

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 MANTUS33 for: Any wire transfer originating from a bank outside the United States.

For business owners receiving vendor payments from international counterparties, MANTUS33 is what you provide — not a routing number. An overseas bank cannot process a U.S. routing number in place of a SWIFT code.

Outgoing International Wires from M&T Bank

To send an international wire from your M&T Bank 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

M&T Bank's cutoff time for outgoing 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.

M&T Bank 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 M&T commercial banking relationships, confirm your fee structure directly with your M&T relationship manager, as commercial account terms may differ from standard published rates.

Common Mistakes with M&T Bank International Wires

Still using the People's United SWIFT code. People's United's SWIFT code is retired. Any wire sent to that code will not reach an M&T Bank account. If your business has international wire instructions on file that predate the 2022-2023 conversion, update every counterparty — vendor, client, and partner bank — with MANTUS33 as the current code.

Using the ACH routing number instead of the wire routing number. M&T Bank has separate routing numbers for ACH transfers and wire transfers in some states. When an international sender asks for your routing number alongside the SWIFT code, provide the wire-specific routing number — 022000046 for New York accounts — not the ACH routing number. Entering the ACH routing number in a wire instruction context can create processing confusion.

Wrong state routing number. M&T's routing numbers vary significantly by state given the bank's acquisition history across the Northeast and Mid-Atlantic. A former People's United customer in Connecticut, for example, has a different routing number than an M&T customer in New York. When distributing wire instructions, confirm your specific routing number from M&T's online banking portal rather than using a number from a list.

Missing the account holder address. Many international sending banks require the account holder's physical address for compliance screening. Omitting it from wire instructions triggers holds that delay posting.

How Slash Helps

M&T Bank serves Northeast and Mid-Atlantic businesses well — strong regional presence, commercial banking relationships, and the expanded footprint from the People's United acquisition. Where it falls short is the operational spend layer that growing businesses increasingly need: no per-vendor card controls, limited real-time visibility across a team, and no built-in tooling for managing international vendor payments or contractor expenses.

Slash runs alongside your M&T Bank account. Receive international wires into M&T via MANTUS33 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 businesses managing vendor relationships across domestic and international markets — or teams that have grown beyond what a regional bank's business products can support operationally — Slash adds the control layer that M&T doesn't provide at the transaction level.