COBAUS3XIBF — COMMERZBANK AG
COBAUS3XIBF is the SWIFT/BIC code for COMMERZBANK AG in NEW YORK, NY, United States — an 11-character branch code under ISO 9362.
BIC breakdown (ISO 9362)
Head-office code: COBAUS3X
| Field | Value |
|---|---|
| Institution | COMMERZBANK AG |
| Country | United States (US) |
| Location Code | 3X |
| Branch | INTERNATIONAL BANKING FACILITY |
| Type | 11-character branch code (BIC11) |
⚠️ Critical Money Transfer Warning (YMYL)
Verify the BIC with your beneficiary bank: Database records are informational only. swiftbic.org is not affiliated with SWIFT. Always verify the SWIFT/BIC code and name of the beneficiary with the receiving bank or official registration records before initiating any international wire transfer.
Common Mistakes: Do not confuse the SWIFT/BIC code (identifies the bank branch) with the IBAN (identifies the specific bank account). Using an incorrect branch suffix or a deactivated code can result in payments being returned, delayed, or subject to significant administrative return fees.
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Related codes for this bank
Frequently asked questions
What bank does the SWIFT code COBAUS3XIBF belong to?
The SWIFT code COBAUS3XIBF identifies COMMERZBANK AG in NEW YORK, NY, United States. This branch code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code COBAUS3XIBF mean?
The 8 or 11 characters of COBAUS3XIBF are parsed as follows: characters 1-4 (COBA) represent the bank code for COMMERZBANK AG; characters 5-6 (US) indicate the country code for United States; characters 7-8 (3X) specify the location code; and the final characters (IBF) designate the specific branch.
Is COBAUS3XIBF a valid SWIFT/BIC code?
COBAUS3XIBF is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for COMMERZBANK AG 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.
Where is the registered head office for COMMERZBANK AG?
COMMERZBANK AG is registered in NEW YORK, NY, United States. While specific street-level coordinates are not published for this record, payments route to its registered municipality in United States.
What is the difference between an 8-character and an 11-character BIC?
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 COBAUS3X forms the conventional head-office branch suffix; both formats route validly on the network.
Which branch does COBAUS3XIBF identify?
COBAUS3XIBF identifies the IBF branch of COMMERZBANK AG in NEW YORK, NY, United States. The branch code characters 'IBF' target this specific clearing node directly within COMMERZBANK AG's branch network.
Do I need an IBAN as well as COBAUS3XIBF?
SWIFT codes like COBAUS3XIBF 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.
What happens if I use the wrong SWIFT/BIC code?
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.
How long does a payment using COBAUS3XIBF take to arrive?
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.
Why does my payment need an intermediary or correspondent bank?
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.
Is COBAUS3XIBF the same as a domestic clearing code in United States?
No. COBAUS3XIBF 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.
How current is the information on this page?
This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.
What should I do before sending money to this bank?
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.
Sources & References
- 🌐 ISO 9362:2022: International standard for Business Identifier Codes (ISO OBP).
- 🌐 ISO 13616-1: International Bank Account Number specifications (ISO OBP).
- 🏢 SWIFT Registration Authority: Designated ISO 9362 registration authority (swift.com).
- 🇪🇺 European Central Bank (ECB): SEPA clearing framework and standards (ECB SEPA).
- 🇪🇺 European Payments Council (EPC): SEPA rulebooks and guidelines (EPC).
- 🏦 Bank for International Settlements (BIS): CPMI cross-border payments standards (BIS CPMI).
- 🏛️ US Treasury OFAC: Financial sanctions and wire compliance oversight (US Treasury).
- 📂 swiftbic.org Data Register: Record-level provenance and dataset coverage (Data Sources).
- 🏦 Federal Reserve Services: US E-Payments routing number directory (FRB Services).
- 💻 Open Community BIC Compilation: MIT-licensed community repository (br99bry/swift-bank-codes).