SWIFT/BIC code

Everything you need to find the right SWIFT/BIC code for your transfer. Search by bank or country to find the right branch code. Or, if you already have a code, you can use our checker tool to make sure it's correct.

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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.

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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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FAQ

What is a SWIFT/BIC code?

The SWIFT Code (Society for Worldwide Interbank Financial Telecommunication) is a standardized bank identifier system launched in 1973 when SWIFT established its headquarters in Belgium. Also known as the BIC (Bank Identifier Code), it typically consists of 8 or 11 letters and numbers, used to uniquely identify banks and their branches globally. It ensures that international remittances are accurately and efficiently routed to the correct account. Since its inception, this standard has been widely used in cross-border payments, settlements, and financial information exchange, making it an essential component of international banking.

How can I find my bank's BIC/SWIFT code?

To find your bank's SWIFT/BIC code, you can:
1.Check your bank statement or passbook
2.Visit your bank's website - usually listed under “International Services”
3.Use an online lookup tool, such as XTransfer's SWIFT Code Finder
4.Contact your bank directly for assistance

What is the format of a SWIFT/BIC code?

A SWIFT/BIC code is usually 8 or 11 characters long and consists of four parts in order:
1.Bank code (first 4 characters)
Contains only letters (A-Z) and is used to identify the bank itself. For example: BKCH represents Bank of China.
2.Country code (characters 5-6)
Uses the two-letter ISO 3166-1 country code to identify the bank's country. For example: CN for China, US for the United States, GB for the United Kingdom, etc.
3.Location code (characters 7-8)
Can be letters or digits and indicates the city or region of the bank. For example: BJ for Beijing, NY for New York.
4.Branch code (characters 9-11, optional)
These three characters are optional and used to identify a specific branch of the bank. For example: 123 for a particular branch. If omitted, the code refers to the bank's headquarters. A full 8-character code like BKCHCNBJ can also be padded to BKCHCNBJXXX to explicitly indicate the headquarters.

When is a SWIFT/BIC code required?

When making an international transfer or receiving funds from abroad，a SWIFT/BIC code is usually required. This code uniquely identifies the receiving bank and its branch, ensuring the funds are delivered safely and promptly to the correct account.Examples include:
Processing cross-border payments via third-party platforms
Paying overseas suppliers for business transactions
Receiving payments from international clients
In short, any cross-border bank transfer requires the use of a SWIFT/BIC code.

What is the difference between a SWIFT code and a BIC code?

SWIFT codes and BIC codes are actually the same type of bank identifier; they just have different names. SWIFT codes are established by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), while BIC (Bank Identifier Code) is the international standard name for the same code. Regardless of the term used, they consist of 8 or 11 alphanumeric characters, helping to accurately identify banks in international transfers and ensure funds reach the correct account smoothly.

What is the difference between a SWIFT code, an IBAN, and a sort code?

Difference Between SWIFT Codes, IBANs, and Sort Codes
SWIFT code (also known as BIC) is an international bank identifier that uniquely identifies a bank and its branches. Its primary purpose is to ensure that funds are correctly routed to the right bank during international transfers. SWIFT codes consist of 8 or 11 alphanumeric characters, including a bank code, country code, location code, and branch code.
IBAN (International Bank Account Number) is a bank account standard developed by the International Organization for Standardization to uniquely identify a customer's bank account. It consists of a country code, a check digit, and the basic account number. Its length and format vary by country, and its main purpose is to standardize bank account formats across borders to ensure account accuracy in international transfers.Classification code: Usually refers to a code used internally by a bank or within a specific country to differentiate between types of services, branches, or account types. It has a narrower scope and is applied in domestic or internal banking systems, as opposed to globally used SWIFT codes and IBANs.
In short, SWIFT codes identify banks, IBANs identify accounts, and classification codes are mostly for internal use. The three complement each other to ensure accuracy and security in international banking.