The +1441 country code connects calls to Bermuda, a British Overseas Territory in the North Atlantic about 650 miles east of Cape Hatteras, North Carolina. People often assume Bermuda is in the Caribbean, but it is actually much farther north, roughly on the same latitude as Savannah, Georgia. About 64,000 people live on this 21-square-mile island chain. Bermuda is part of the North American Numbering Plan (NANP), so you dial it with +1 followed by area code 441 and a seven-digit local number. The island is a major center for insurance and reinsurance, which means a lot of business calls flow between Bermuda and financial hubs like New York, London, and Zurich.
Quick answer: Bermuda uses area code 441 under the +1 country code (NANP). Phone numbers are 10 digits total: +1-441-XXX-XXXX. There is no trunk prefix. Landline numbers typically start with 2, 3, or 4, and mobile numbers start with 3, 5, 7, or 7. Bermuda is on Atlantic Standard Time (AST, UTC-4) year-round with no daylight saving.
How to call Bermuda: quick reference
As a NANP territory, Bermuda follows the standard North American dialing pattern. From the US or Canada, treat it like a long-distance call (your carrier will bill international rates). From other countries, dial your exit code, then 1441, then the seven-digit local number.
| Calling from | Dialing format |
|---|---|
| US/Canada mobile | +1441 [local number] |
| US/Canada landline | 011-1441-[local number] |
| UK | 00-1441-[local number] |
| Australia | 0011-1441-[local number] |
| Germany | 00-1441-[local number] |
| France | 00-1441-[local number] |
Understanding Bermuda phone numbers
All Bermudian numbers follow the NANP format: +1-441-NXX-XXXX, where N is 2-9 and X is 0-9. The full international number is always 11 digits. The 441 area code covers the entire territory.
Mobile numbers
Mobile numbers use a variety of prefixes including 300-series, 500-series, 700-series, and 747. Common mobile prefixes include 303, 504, 505, 515, 517, 519, 525, 531, 535, 537, 540, 547, 599, 700, 703, 704, 705, 707, 717, 734, 737, 747, and 777. The three mobile carriers each have their own prefix allocations.
Landline numbers
Fixed-line numbers use prefixes in the 200-series, 290-series, and some 400-series ranges. Common landline prefixes include 232, 234, 236, 238, 278, 279, 291-299, 400, 405, and 407. The island is small enough that there is no geographic significance to these prefixes. All landlines are managed by a single fixed-line operator.
Mobile carriers in Bermuda
One Communications
One Communications (formerly Bermuda Digital Communications) is the main fixed-line and broadband provider. It merged with several smaller operators over the years and now handles most of the island's landline infrastructure. It also offers mobile service through a partnership arrangement.
Digicel Bermuda
Digicel launched in Bermuda and operates a mobile network with 4G LTE coverage across the island. The Caribbean-headquartered company is one of the two primary mobile choices for Bermuda residents.
CellOne (Bermuda Telephone Company)
CellOne is a brand of the Bermuda Telephone Company, one of the oldest telecom operators on the island. It provides mobile service and competes with Digicel. BTC also has legacy landline operations. Coverage across the island is good given Bermuda's tiny geographic footprint.
Don't confuse +1441 with nearby codes
Bermuda's +1441 is sometimes confused with other NANP codes, though the 441 prefix is fairly distinctive.
| Code | Country | How to tell apart |
|---|---|---|
| +1 242 | Bahamas | Both Atlantic NANP islands, but 441 vs 242 are quite different |
| +1 246 | Barbados | 246 vs 441 - Barbados is Caribbean, Bermuda is Atlantic |
| +44 | United Kingdom | +44 (UK) vs +1-441 (Bermuda) - the leading "44" can cause confusion |
| +1 340 | US Virgin Islands | 340 vs 441 - both NANP island territories |
The most interesting confusion is with the UK (+44). Since Bermuda is a British Overseas Territory and its area code starts with "44", some people mistakenly try dialing +44-1 instead of +1-441. Bermuda is NANP (+1), not UK (+44).
Time zone considerations
Bermuda uses Atlantic Standard Time (AST, UTC-4) year-round. Unlike the US, Bermuda does observe its own daylight saving schedule (Atlantic Daylight Time, ADT, UTC-3) from March to November, matching the US DST dates. So during US summer, Bermuda is one hour ahead of New York; during US winter, also one hour ahead.
| Your location | Time difference | When it's 9am in Hamilton |
|---|---|---|
| US East Coast (winter/EST) | +1 hour ahead | 8:00 AM |
| US East Coast (summer/EDT) | +1 hour ahead | 8:00 AM |
| UK (winter/GMT) | +4 hours ahead | 1:00 PM |
| UK (summer/BST) | +4 hours ahead | 1:00 PM |
| US West Coast (winter/PST) | +4 hours ahead | 5:00 AM |
| Japan | +13 hours ahead | 10:00 PM |
Communication in Bermuda
Business hours
Most businesses operate Monday through Friday, 9:00 AM to 5:00 PM. Banks typically open at 9:30 AM and close at 3:00 PM. The insurance and reinsurance sector, which is Bermuda's largest industry, keeps standard business hours aligned with New York. Many international firms have offices in Hamilton, the capital, and they are accustomed to conference calls across time zones. Shops on Front Street in Hamilton may keep shorter hours, and very little is open on Sundays.
Communication style
English is the official language. Bermudians speak with a distinctive accent that blends British and Caribbean influences. Business communication is professional and fairly formal, especially in the financial sector. Bermuda's small size means personal connections matter; people often know each other and phone calls tend to be warmer than what you might expect in a larger financial center. WhatsApp is widely used for personal communication.
Network quality
Bermuda has very good telecommunications infrastructure for its size. The island is only 21 square miles, so cell coverage is effectively complete. 4G LTE works everywhere. Fixed-line service is reliable. Bermuda also has strong undersea cable connections to the US mainland, so call quality is consistently good. Hurricane season (June-November) can occasionally disrupt service, but the island's infrastructure is built to withstand storms.
The Bermudian diaspora
Where they went
Bermudians who move abroad tend to go to the US East Coast (especially New York, Boston, and Washington, D.C.), the UK (London in particular), and Canada (Toronto). Many young Bermudians study at universities in the US, UK, or Canada and maintain phone contact with family back home. The expat flow also runs in reverse: Bermuda has a large population of foreign workers, particularly in the insurance and finance sectors, who call back to the US, UK, Canada, and other home countries regularly.
Why they call
Business calls dominate. Bermuda's insurance and reinsurance industry generates constant phone traffic to New York, London, and other financial centers. On the personal side, Cup Match weekend (late July/early August, Bermuda's biggest sporting and cultural event) and Christmas are peak calling times. University students call parents. Bermudians abroad coordinate property management, since housing on the island is expensive and often family-owned.
Dialing examples
Calling an office in Hamilton from the US
You need to reach an insurance company on Front Street in Hamilton. Their number is 295-1000. From a US mobile, dial +1 441 295 1000. From a US landline, dial 1-441-295-1000. Your carrier will bill this at international rates.
Calling a Bermudian mobile from the UK
Your colleague has the mobile number 505-1234. From the UK, dial 00 1 441 505 1234, or on a mobile phone, +1 441 505 1234. Do not dial +44; Bermuda is +1, not +44.
Calling a hotel in Southampton from Canada
You are booking a room and the hotel number is 238-8000. From Canada, dial 1-441-238-8000 or +1 441 238 8000. Same dialing pattern as calling any US area code, but billed internationally.
Calling within Bermuda
Local calls use the seven-digit number only: 295-1000. Since the entire island shares the 441 area code, there is no need to dial 441 for domestic calls.
Common mistakes to avoid
Dialing +44 instead of +1-441
Bermuda is a British Overseas Territory, and its area code (441) starts with "44" like the UK country code. But Bermuda uses the NANP (+1), not the UK numbering system (+44). If you dial +44-1-XXX-XXXX, you will reach somewhere in the UK, not Bermuda. The correct format is +1-441-XXX-XXXX.
Assuming domestic US rates
Like other NANP territories, Bermuda uses the +1 prefix but is billed as international by most US and Canadian carriers. Check your plan or use a VoIP service to avoid surprise charges.
Thinking Bermuda is in the Caribbean
Bermuda is in the North Atlantic, about 650 miles east of North Carolina and roughly 900 miles north of the nearest Caribbean island. This matters for time zone planning: Bermuda is on Atlantic Time (UTC-4/UTC-3), not Eastern Time. It is always one hour ahead of New York.
Calling outside business hours for the finance sector
If you are calling a Bermuda insurance or reinsurance company, remember they are one hour ahead of New York. A 5:00 PM call from New York arrives at 6:00 PM in Bermuda, when offices are closed. Aim for 9:00 AM - 4:00 PM New York time to catch Bermuda during working hours.
Prefer calling over WiFi? See our guide to the best apps for WiFi calling.
Frequently asked questions (FAQ)
What country uses the +1441 code?
The +1441 code is for Bermuda, a British Overseas Territory in the North Atlantic Ocean east of North Carolina. The 441 is an area code within the North American Numbering Plan (NANP).
Is Bermuda in the Caribbean?
No. Bermuda is in the North Atlantic, about 650 miles east of Cape Hatteras, North Carolina. It is roughly 900 miles north of the nearest Caribbean island. It is often grouped with the Caribbean for tourism purposes, but geographically it is a mid-Atlantic island.
Should I dial +44 or +1 for Bermuda?
Dial +1. Although Bermuda is a British territory and its area code starts with "44", it uses the North American +1 country code, not the UK +44 code. The correct format is +1-441-XXX-XXXX.
What time zone is Bermuda in?
Bermuda uses Atlantic Time (AST/ADT). It observes daylight saving on the same schedule as the US. Bermuda is always one hour ahead of New York.
Why are calls to Bermuda so cheap?
Bermuda has strong undersea cable infrastructure connecting it to the US mainland, and high call volumes from the financial sector keep per-minute rates low. VoIP rates to Bermuda are among the lowest for any island territory.
See also: Bahamas (+1242) | Barbados (+1246) | All country codes