MLCOUS3GSAT — BANK OF AMERICA CORPORATION

The SWIFT code MLCOUS3GSAT identifies BANK OF AMERICA CORPORATION in NEW YORK, NY, United States. This branch code is used for cross-border payments and SWIFT network routing.

The 8 or 11 characters of MLCOUS3GSAT are parsed as follows: characters 1-4 (MLCO) represent the bank code for BANK OF AMERICA CORPORATION; characters 5-6 (US) indicate the country code for United States; characters 7-8 (3G) specify the location code; and the final characters (SAT) designate the specific branch.

MLCOUS3GSAT is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for BANK OF AMERICA CORPORATION in NEW YORK, NY, United States. Our directory records come from an open community compilation last updated in 2024, so listing is not confirmation of current status — SWIFT does not publish a free live status feed. Always confirm the code with the beneficiary bank before sending funds.

The physical address registered for MLCOUS3GSAT is: 101 HUDSON STREET, FLOOR 18, 07302-3997, NEW YORK, NY, United States. Verify this address matches your recipient's branch details before initiating a transaction.

An 8-character BIC (BIC8) identifies an institution's primary head office, while an 11-character BIC (BIC11) specifies a distinct branch or department. Appending 'XXX' to MLCOUS3G forms the conventional head-office branch suffix; both formats route validly on the network.

MLCOUS3GSAT identifies the SAT branch of BANK OF AMERICA CORPORATION in NEW YORK, NY, United States. The branch code characters 'SAT' target this specific clearing node directly within BANK OF AMERICA CORPORATION's branch network.

SWIFT codes like MLCOUS3GSAT identify the bank institution, while IBANs (ISO 13616) identify the individual customer account. Within SEPA (ECB SEPA), IBANs are sufficient for routing; outside SEPA, both SWIFT BIC and account number are typically required.

Using an incorrect code can delay transfers, cause payment returns, or route funds to an incorrect institution. Correspondent banks along the route may charge return processing fees, and currency conversion losses may occur. Always verify details with the beneficiary.

International SWIFT wires typically settle within 1 to 5 business days, depending on time zones, clearing cut-offs, correspondent hops (BIS CPMI), and compliance checks.

When sending and receiving banks lack direct clearing accounts, transfers route through intermediary correspondent banks (BIS CPMI) that maintain shared Nostro/Vostro accounts. Each hop may deduct a handling fee.

No. MLCOUS3GSAT is an international ISO 9362 SWIFT BIC. Domestic transfers in United States clear through undefined under [object Object] oversight (primary currency: USD). SWIFT BICs route cross-border transactions.

This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.

Confirm the exact BIC and account details directly with your beneficiary, verify beneficiary bank name match, and beware of invoice fraud. Reference directories are for verification support.