What Is a SWIFT Code?
A SWIFT code, also called a BIC code, identifies a bank or branch in an international payment. It helps the sending bank route money to the correct receiving institution.
SWIFT code format
A SWIFT/BIC code has 8 or 11 characters. The first four characters identify the bank, the next two identify the country, and the following two identify the location. An 11-character code adds a three-character branch identifier.
- BKCH: bank code
- CN: ISO country code
- BJ: location code
- XXX or a branch code: branch identifier
When you need a SWIFT code
Use a SWIFT/BIC code when the transfer is sent through the international SWIFT network. The receiving bank may also ask for an account number, IBAN, routing number, sort code or other local banking details.
8-digit and 11-digit codes
An 8-digit code normally represents the bank head office. An 11-digit code can identify a specific branch. In many transfers either version can work, but the receiving bank may require an exact branch code.
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