PNC Bank SWIFT Code: PNCCUS33

PNC Bank's SWIFT code is PNCCUS33 — the identifier used by international banks to route wire transfers to PNC Bank, N.A.

The PNC SWIFT code is PNCCUS33. It is the current primary SWIFT/BIC code for PNC Bank, N.A. and applies to all international wire transfers sent to PNC accounts in the United States. You may also see it written as PNCCUS33XXX — the XXX suffix indicates no specific branch designation, and both formats are accepted by international sending banks.

One important note for former BBVA USA customers: the old BBVA USA SWIFT code BBVAUSS1 is no longer valid. Following PNC's acquisition and full conversion of BBVA USA accounts, all international wires must now use PNCCUS33. Any wire instructions still referencing BBVAUSS1 will not reach their destination.

How to Receive an International Wire at PNC

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

Bank name: PNC Bank, N.A.
SWIFT/BIC code: PNCCUS33
Bank address: 300 Fifth Avenue, Pittsburgh, PA 15222
Account number: Your full PNC account number
Account holder name: Your full legal name or registered business name
Account holder address: Your address on file with PNC

For non-USD transfers, PNC may route the wire through a correspondent bank before funds reach your account. PNC does not publish a universal intermediary bank for all currencies. Ask your sender to confirm with their bank whether a correspondent is required for the specific currency and originating country before initiating. Missing intermediary details is the most common cause of delayed or returned international wires to PNC accounts.

PNC SWIFT Code vs Routing Number

PNC's routing number varies by state — 043000096 is the most commonly used, assigned to accounts opened in Pennsylvania. But routing numbers only function 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 vendors or clients, this distinction is critical. An overseas bank cannot process a U.S. routing number. If a sender based outside the U.S. is asking for banking details and you give them a routing number in place of PNCCUS33, the wire will not go through.

Outgoing International Wires from PNC

To send an international wire from your PNC 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

PNC'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 next business day. Processing typically takes one to five business days depending on destination country, currency, and correspondent bank routing.

PNC charges a flat fee for outgoing international wires — typically around $40 to $45 for business accounts — plus a foreign exchange spread on non-USD transfers. The FX rate applied is set by PNC at the time of conversion and includes a markup above the mid-market rate. For large or recurring business transfers, the conversion spread is worth factoring into your total cost.

BBVA USA to PNC: SWIFT Code Change

PNC completed its acquisition of BBVA USA in June 2021 and finished converting all former BBVA USA accounts to PNC systems in 2022. As part of that conversion, the BBVA USA SWIFT code — BBVAUSS1 — was retired. It is no longer a valid routing identifier.

If your business received international wires when you were a BBVA USA customer, your wire instructions still on file with overseas vendors, clients, or partner banks may reference BBVAUSS1. Those wires will not reach your PNC account. You need to proactively update every sender with the new code: PNCCUS33.

This is particularly important for businesses with long-standing international vendor relationships where wire instructions were set up years ago and rarely revisited. A wire sent to a retired SWIFT code typically gets returned to the sender — but the return process can take several business days and may involve fees on both ends.

If you're a former BBVA USA business customer, audit your incoming wire instructions now. Any counterparty sending you international payments needs updated details.

Common Mistakes with PNC International Wire Transfers

Still using the old BBVA SWIFT code. BBVAUSS1 is retired. Any wire sent with that code will not reach a PNC account. Update all wire instructions to PNCCUS33 and confirm with senders that they have the new code on file.

Missing intermediary bank information for non-USD currencies. PNC doesn't have direct correspondent relationships with every international bank. For wires in foreign currencies, a correspondent bank is often required in the middle. The sender's bank needs to identify the right intermediary — skipping this step causes wires to stall in transit.

Incorrect account number format. PNC account numbers are typically ten digits. Some senders, especially those accustomed to IBAN formats used in Europe, may truncate or incorrectly format the account number. Confirm the full account number with PNC before sharing wire instructions.

Using a state-specific routing number in place of the SWIFT code. Routing numbers don't work for international transfers. If an international sender uses your PNC routing number instead of PNCCUS33, the wire will fail.

How Slash Helps

PNC handles the core banking infrastructure well — stable accounts, broad domestic reach, and now a larger footprint after absorbing BBVA USA. Where business customers run into friction is on the spend side: limited real-time visibility, card controls that require calling a relationship manager, and no built-in tools for tracking spend across a distributed team.

Slash runs alongside your PNC account. Receive international wires and manage treasury in PNC as usual. Use Slash for operational spend: virtual cards with per-vendor limits, real-time transaction tracking across your entire team, cashback on business expenses, and international card spend without foreign transaction fees. If your business is paying vendors or contractors in multiple currencies, or managing subscriptions and expenses across departments, Slash adds the layer of control that PNC's business products don't offer natively.