SYNCHRONY FINANCIAL

Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut, United States.[2] The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products, through Synchrony Bank, its wholly owned online bank subsidiary.[4][5]

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SYNCHRONY FINANCIAL SWIFT Code

Country

City

Bank or Institution

SWIFT Code

United States

STAMFORD, CT

SYFNUS34

United States of America

STAMFORD,CT

SYFNUS34XXX

Total: 2
1

About SYNCHRONY FINANCIAL

Company type
Public
Industry
Financial services
Founded
September 12, 2003 ; 21 years ago ( 2003-09-12 ) [ 1 ]
Headquarters
Stamford, Connecticut , U.S. [ 2 ]
Key people
Margaret M. Keane ( Executive Chairman ) Brian Doubles ( CEO ) [ 3 ]
Products
Credit cards Payment systems
Revenue
US$ 24.17 billion (2024) [ 4 ]
Number of employees
20,000 (2024) [ 4 ]
Website
synchrony .com

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What is a SWIFT code?

A SWIFT code is an 8 or 11 character code used in banking to facilitate transactions and identify the bank.

What is the purpose of a SWIFT code in international transactions?

SWIFT codes are used to route international financial transactions to the correct bank and branch. It facilitates the smooth and accurate transfer of funds between different banks and countries, ensuring that the transactions are processed correctly and securely.

How do I find my bank's SWIFT code?

You can find your bank's SWIFT/BIC code in the statements of your bank account. You can also use our SWIFT/BIC finder to get the right code for your transfer.

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Frequently Asked Questions

1. Why does SYNCHRONY FINANCIAL have different SWIFT Codes?

SYNCHRONY FINANCIAL operates differently across various countries, regions, and branches, with variations in business operations and clearing paths. To accurately identify and process SYNCHRONY FINANCIAL's cross-border payments and other transactions, different SWIFT Codes are used for distinction. Many large multinational banks have unique SWIFT Codes to their headquarters, regional branches, and overseas subsidiaries to ensure precise and secure fund transactions.

2. How do I know which SWIFT Code of SYNCHRONY FINANCIAL to use in a transfer?

It depends on the specific business scenario. For cross-border remittance to a branch of SYNCHRONY FINANCIAL, you can log on to the official website of SYNCHRONY FINANCIAL, or search the current page of XTransfer, or call SYNCHRONY FINANCIAL to inquire about the SWIFT Code of the branch. For international business, you should first coordinate with the relevant branch in the target country and confirm the correct SWIFT Code based on the exact information provided by your business partner.

3. Is there any pattern in the composition of different SWIFT Codes for a multinational bank like SYNCHRONY FINANCIAL?

Usually, SWIFT Code consists of 8 or 11 characters. For SYNCHRONY FINANCIAL, the first 4 digits represent the bank code, which is the same for SYNCHRONY FINANCIAL worldwide; the 5th and 6th digits are the country code; and the 7th and 8th digits are the region code, which will be different for branches in various regions. If the code includes 11 digits, the last 3 digits represent the branch code, which is used to distinguish different branches within the same region.

4. Will the SWIFT Code for SYNCHRONY FINANCIAL be updated or changed?

Yes. When SYNCHRONY FINANCIAL undergoes an organizational restructuring, such as a branch relocation, merger or split, or when there is a significant change in the financial system of the region where SYNCHRONY FINANCIAL is located, its SWIFT Code may be updated and changed. SYNCHRONY FINANCIAL will announce the changes in advance through its official website, mobile banking APP and other channels. Therefore, when handling cross-border business, customers should pay attention to the announcement of SYNCHRONY FINANCIAL in time to confirm the latest SWIFT Code information, so as to avoid affecting the business.

5. Do different SWIFT Codes of SYNCHRONY FINANCIAL support the same scope of business?

The scope of business is different. While the same bank can operate with different SWIFT Codes for the same basic types of business, there are differences for some specialized businesses or for businesses in specific regions. For example, the SWIFT Code of some branches may be specialized to support trade finance business, while the SWIFT Code of other branches is more convenient for cross-border e-commerce collection. In addition, for some emerging markets or country-specific business, only the SWIFT Code of a particular branch may have the authority to process it. When conducting international business, it is important to check whether the SWIFT Code of SYNCHRONY FINANCIAL supports the corresponding business.