What is a SWIFT code?
A SWIFT code is a Business Identifier Code (BIC) used by banks and payment providers when making international transfers. The SWIFT/BIC code - also known as a SWIFT number - is a unique identifier which describes the bank or branch a payment should arrive in.
Using this standard, globally recognised format is one way banks make sure wire transfers and SEPA payments are received safely - even when they're travelling across international borders.
How to check SWIFT/BIC codes?
To check you have the right SWIFT code, type it into the box above following the standard SWIFT/BIC code format. You can easily find more details about the exact structure of SWIFT and BIC numbers below.
If you need to find your own SWIFT/BIC code to give to someone sending you money, or if you need to check the SWIFT number you have for a friend is correct, you can use our dynamic database lookup tool.
SWIFT Code Format
SWIFT codes are 8 or 11 characters long.
Important Safety Tips for International Transfers
Before initiating an international wire transfer, always verify the SWIFT/BIC code and account details with your recipient. Wrong codes can cause transfer delays, return fees, or in rare cases, misrouted funds.
- Double check the spelling of the bank name and the country code.
- Ensure the recipient bank is capable of receiving transactions in the selected currency.
- Consult with your local bank branch if you are unsure about the branch code suffix (XXX or specific digits).