How Do You Find a Bank’s SWIFT Code?

To find a bank’s SWIFT code, also known as a Bank Identifier Code, or BIC,visit a website that lists such codes, such as, or visit the site of the specific bank for which you want the SWIFT code, and search on its site. A SWIFT code serves as an identification code for each specific bank.

SWIFT codes are used when transferring money between banks, often for international transfers. A code consists of at least eight characters. The first four characters identify the bank, the next two specify the country, and the last two note the location within the country. Optionally, three additional characters may identify the specific branch of the financial institution.

A SWIFT Code is a standard format of BIC, and it is a unique identification code for a particular bank. Banks use these codes for transferring money between banks, particularly for international wire-transfers and other cross-border transactions. Banks also use the codes for exchanging messages between each other.

A SWIFT code consists of eight or 11 characters. An eight-digit code refers to the bank’s main office. The first four characters indicate the bank code and are only letters. The next two characters are the ISO-country code, also letters. The next two characters are the location code and may be a letter and a number. If is a 1, the bank only maintains a passive presence. The last three characters are the branch code which is XXX for the main office.

The IBAN and BIC are the only customer account identifier and bank routing designation accepted by banks in the EU/EEA area for all intra-EU/EEA cross-border credit transfers to the Single Euro Payments Area, or SEPA. All businesses and individuals making or receiving cross-border payments in Europe are required to use their IBAN and BIC.