The SWIFT code for FIRST HORIZON BANK is FTBMUS44CAP
While the main FIRST HORIZON BANK SWIFT code (ending in XXX) can be used for general transfers, using the branch-specific code FTBMUS44CAP ensures your funds are routed directly to the MEMPHIS clearing system. This reduces manual processing at the head office and can speed up your transfer by up to 24 hours.
| Bank Name | FIRST HORIZON BANK |
| Bank Address | MEMPHIS TN, US |
| City | MEMPHIS |
| Country | 🇺🇸 United States of America |
| Bank Code | FTBM |
| Country Code | US |
| Location Code | 44 |
| Branch Code | CAP |
Other FIRST HORIZON BANK Branches in MEMPHIS
If you are looking for branches near MEMPHIS, you may also need the SWIFT codes for the locations below.
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Sending money to family or friends shouldn’t be stressful. Understanding the fees and delivery times helps you feel confident about your transfer. At Remitly, we make the process simple, affordable, and secure. You’ll know the total cost and delivery time before completing your transfer. Choose a payment method that suits you, whether it’s a debit or credit card.
Get started nowSending Money to FIRST HORIZON BANK in MEMPHIS
Follow these three steps to ensure your international wire transfer reaches the correct account at the MEMPHIS branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For United States of America, IBANs typically start with the prefix US.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter FTBMUS44CAP. This unique 11-character identifier ensures the funds are routed specifically to the FIRST HORIZON BANK systems in MEMPHIS.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for United States of America transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Should I use this specific code or the FIRST HORIZON BANK head office code?
While the FIRST HORIZON BANK head office code (ending in XXX) is often accepted, using FTBMUS44CAP is the best way to ensure your money reaches the MEMPHIS branch directly. By using the branch-specific code, you bypass the central sorting queue at the head office, which can often speed up the processing of your international transfer by a full business day.
Can I receive international payments at the branch in MEMPHIS?
Yes, the office in MEMPHIS is fully equipped to receive international wire transfers via the SWIFT network. To ensure the funds are credited correctly, you must provide the sender with the SWIFT/BIC code FTBMUS44CAP and your full IBAN associated with your account at this location.
What is the correct address for a wire transfer to MEMPHIS?
When you are asked for the "Beneficiary Bank Address" on a wire transfer form, you should provide the specific physical location in MEMPHIS to ensure a smooth verification process:
FIRST HORIZON BANK
MEMPHIS TN, US, MEMPHIS, United States of America
How long does it take for money to arrive at this United States of America location?
Typically, an international transfer to the branch in MEMPHIS takes between 1 and 3 business days. To avoid delays, ensure the sender uses the specific code FTBMUS44CAP. Transfers initiated on weekends or during local public holidays in United States of America may take slightly longer to reflect in your account.
What happens if I use the SWIFT code for the wrong branch?
If you accidentally use a code for a different FIRST HORIZON BANK location instead of the one in MEMPHIS, your money is rarely lost. Instead, the bank will usually perform a "manual repair" to route the funds to the correct account based on your IBAN. However, this manual intervention often incurs a small additional fee and can delay the deposit by 24 to 48 hours.
Is this the same as the IBAN for my account in MEMPHIS?
No. The SWIFT code FTBMUS44CAP identifies the FIRST HORIZON BANK branch in MEMPHIS, whereas your IBAN identifies your specific, individual bank account. For a successful international transfer, you must provide both pieces of information to the sender.
SWIFT Codes for main United States of America banks
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