What Is a BIC or SWIFT Code and How to Find It

Sending or receiving international money transfers using your bank account? You’ll need a SWIFT code, otherwise known as a BIC or bank identifier code. These codes help your money reach the correct financial institution anywhere in the world.

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What is a SWIFT code?

A SWIFT code or number is a unique 8- to 11-character identifier for banks and financial institutions across the globe. SWIFT—the Society for Worldwide Interbank Financial Telecommunication—manages a global messaging network that banks and financial institutions use for secure, standardized communication. Some use the term BIC instead, which also works.

Banks use BIC/SWIFT numbers to securely route money across international borders, particularly for wire transfers or SEPA (Single Euro Payments Area) payments. While a SWIFT/BIC code identifies the bank, an International Bank Account Number (IBAN) identifies the specific account.

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How is a SWIFT/BIC code formatted?

A SWIFT/BIC code consists of 8-11 characters and follows a format that identifies your bank, country, location, and branch.

 

1 – Bank code (4 letters)

The first four letters represent the bank and usually look like an abbreviated version of the bank name.

 

2 – Country code (2 letters)

These two letters indicate the country where the bank is located.

 

3 – Location code (2 letters or numbers)

These two characters designate the location of the bank’s main office.

 

4 – Branch code (3 digits)

These 3 digits identify a specific branch. ‘XXX’ is used for a bank’s head office.

Where can I find a SWIFT/BIC code?

You can find a SWIFT/BIC code by looking at your bank statement, referring to your bank’s website, or by searching for it online.

How do I know if I need a SWIFT/BIC number?

You need a SWIFT code whenever you send money internationally. Sending money from California to New York? You don’t need one. Sending funds to Europe, Asia, Africa, or the Middle East? You’ll need to know the recipient’s code.

Nations that require SWIFT or BIC codes to send money include:

Denmark
Ghana
Japan
Latvia
Malaysia
Russia
Sweden
Switzerland
UAE

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Frequently asked questions about SWIFT/BIC codes

What is a SWIFT code?

SWIFT codes are standardized bank identifiers used worldwide. These required codes ensure money goes to the right financial institutions during an international wire transfer.

What is a BIC code?

BIC (Bank Identifier Code) is another term for a SWIFT code. Banks and financial services providers use it to facilitate international transfers.

How do I find the SWIFT code for my bank?

You can find your bank’s SWIFT code in the following locations:

  • Your bank’s website
  • Your bank statement
  • Your online banking portal

You can also call your bank directly and ask for the information. You’ll also find it in the official SWIFT directory.

Is a BIC the same as a SWIFT code?

Yes. BIC and SWIFT codes describe the same thing: a unique identifier for banks worldwide.

Can I send money without a BIC/SWIFT code?

If you’re sending money to a bank account abroad, you’ll always need the correct BIC/SWIFT code to complete the transfer. With Western Union, you can send money without a bank identification code by sending to participating mobile wallets or to an agent location in more than 200 countries for cash pickup.

Are SWIFT codes the same as IBAN?

No. SWIFT codes identify the bank, while IBANs (International Bank Account Number) identify specific accounts. You may need both for a complete international transfer.

Is a SWIFT code the same for all branches?

Not always. Some banks use one SWIFT code for all branches, while others assign unique codes to each branch. When in doubt, use the head office code or ask your bank for the correct one.

Have a question about BIC or SWIFT codes?

Contact our Customer Care team or visit our FAQ page for more information.

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