Swift Code Finder Tool
A Swift/BIC code finder tool helps you find the Swift/BIC code for any international bank or a branch.
Swift Code Format
A Swift code, also called a BIC code, is a standardized identifier for banks used in international payments. The Swift code format is either 8 characters or 11 characters. A Swift code finder uses the standard format for Swift/BIC codes.
Structure
- BBBB = Bank code (4 letters)
- CC = Country code (2 letters)
- LL = Location code (2 letters/digits)
- XXX = Branch code (3 letters/digits, optional)
Formats
- 8-character: BBBBCCLL
- 11-character: BBBBCCLLXXX
Swift code examples
- ABCDUS33 (8 characters)
- ABCDUS33XXX (11 characters; "XXX" often represents main office)
How to check Swift code?
- Confirm it’s 8 or 11 characters.
- The country code should match the bank’s country.
- Confirm the bank name + city/branch matches the recipient’s official details.
IBAN vs Swift Code
People compare IBAN and Swift Code because both appear in international transfers, but they serve different purposes:
IBAN
International Bank Account Number identifies the customer\'s account and is essential for international transfers. It is an account identifier for cross-border payments. IBAN countries often require IBAN + Swift/BIC.
Swift Code
Swift/BIC identifies the bank globally. Non-IBAN countries typically use account number + Swift/BIC code.
Why do you need the Swift code?
You need a Swift/BIC code for most international Swift code transfers because it tells banks exactly where to route the money across borders.
Common uses
- Sending money to another country
- Receiving payments from overseas clients or employers
- Paying international vendors/suppliers
- International bank-to-bank transfers
Swift code vs Routing number
A common confusion is Swift code vs routing number:
- Routing number is typically used for domestic transfers in certain countries.
- Swift/BIC is used for international transfers through the Swift network.
FAQs
Use these reliable methods:
- Bank app/online banking portal: You can usually find your bank's Swift/BIC code in your online banking app or portal, often under account details or international transfer information.
- Bank statement: Sometimes printed under "Swift/BIC".
- Bank website: Check the international transfers or incoming wire instructions section.
- Customer support: Contact your bank directly and ask for the Swift/BIC for your branch or the receiving code.
- Finder Swift code tool: Use a Swift code finder, an online tool that helps you find a Swift code by selecting your country, bank, and city.
Typical steps:
- Get recipient details such as Name, IBAN, bank name, Swift/BIC. Swift codes are used when transferring money between banks, particularly for international wire transfers or SEPA payments.
- Choose International transfer in your bank. Using a Swift/BIC code is essential when you send money abroad or make a money transfer to ensure your money reaches its destination.
- Enter amount and currency.
- Select fee option if shown (who pays transfer fees).
- Review and send, keep the reference number for tracking.