What is Cash App Swift code? How to find Cash App swift code

Swift code is used to identify a bank through the SWIFT network such as IBAN or BIC. With the help of the SWIFT code system you can easily identify a bank in a few seconds. SWIFT code is required to make international wire transfers or when you send money to another country around the world. Financial institutions or banks use SWIFT code to identify the bank and its location. But, you know, what is Cash App Swift code? Does it use Swift code? To find the answers to your questions, follow this quick guide.  

Does Cash App have Swift code?

Technically, we say, yes it uses Swift code. As you might be familiar, Cash App is not a full-fledged bank, however, it provides banking services on its platform by partnering with Sutton bank and Lincoln Savings bank. Cash App uses a bank's routing number to make direct deposits on its platform. So, for Cash App routing number is its Swift code as routing numbers are used to receive wire transfer on Cash App. 

What is Cash App Swift code? 

Since the Cash App is not a proper bank, users can’t make international money transfers. However, it ties up with Sutton Bank and Lincoln Bank to accept and transfer money. Cash App uses routing numbers to send and receive money however, it uses these numbers to make local payments. Actually, routing number and Swift code are used for the same purpose, identifying bank name and address. 

How do you differentiate Swift code and Cash App Swift code?

Swift code is required to make international wire transfers and all financial institutions should be connected to Swift network to make international wire transfers. Since Cash App is not a financial institution or a bank, it doesn’t offer international transfers. However, to send and receive money on its platform, it partners with two banks.  And, provides an account number and a routing number like banks or financial institutions. Therefore, in case of Cash App routing numbers of Sutton Bank and Lincoln Savings Bank are its Swift codes. 

Sutton bank. These are:  

Lincoln Savings Bank Swift code: 073905527

Cash App Sutton Bank Swift Code: 041215663

How to find your bank’s Swift code and Cash App Swift code?

To find your bank’s Swift code, you need to check any of your bank statements issued previously to your address or online. In the bank’s statement, you should find it next to your account number under the “Swift Code”. Alternatively, you can also find your bank’s Swift code on the official website of a particular bank. 

To find your Cash App Swift code, you should open the Cash App > tap the Banking tab > scroll down to find your routing number and account number under the Balance tab. This is how to find Cash App Swift code using the app. 

What do the characters of Swift code denote?

As you know, Swift code is used to identify a bank and its location around the globe. But how? Well, you can identify a bank with the digits of its Swift code. A bank’s Swift code may have 8 to 11 characters and we can divide these into a set of four. For instance if there are 11 characters, the breakdown into sets is (4, 2, 2, 3). Here each set of characters has a unique meaning. 

First 4 letters: Represent bank code: identify the banks and they’re special for each one.

The next 2 letters: represent country code: means the country of the bank. Example: (US)

The Next 2 Characters: Location code: these are either letters or numbers that represent the institution’s location within a coded system.

The last 3 characters: Branch code: These are specific to every branch of the institution.

Do Cash App users need Swift codes to make money transfers?

No, you don't need it as a Swift code is needed only to make international transfers. But Cash App only allows its users to send and receive money only in the US. For sending and receiving money on Cash App, you only require a routing number. 

Does Cash App provide Cash App Swift code to make payments?

No, it doesn’t allow international payments and doesn’t have Swift code. But technically, it does because it partners with two banks and provides an account and a routing number to its users to make payments. The process is the same as a bank and the role of a Swift code and a routing number is the same. So, we can call the Cash App routing number as Cash App Swift code. 

 Summary 

Finally, we can say that Cash App allows its users to make only local payments in the US. Therefore, it does not have a Cash App Swift code in general. However, it ties up with two banks to make payments and provide a bank account number and a routing number to the users. Therefore, technically it provides Swift code in the form of routing number.