How to find your bank’s SWIFT/BIC code

In this guide, UMi partner Convera shares everything you need to know about SWIFT codes, including their structure, when they're required, and how to find them. Plus, explore the latest innovations in SWIFT technology designed to make global transactions faster and more seamless than ever.

The format of a SWIFT/BIC number

SWIFT/BIC codes are made up of 8-11 characters and use the following format:

• A 4-letter bank code, which commonly looks like an abbreviation of the bank name: AAAA
• A 2-letter country code, identifying the country in which a bank is located: BB
• A 2-character (letter or number) location code, used to show the location of a bank’s main office: CC
• A 3-digit branch code. Commonly, you’ll see ‘XXX,’ which denotes a bank’s head office: 123
• A complete SWIFT/BIC code looks like this: AAAABBCC123

You’ll often see SWIFT/BIC used alongside another acronym: IBAN, or the International Banking Account Number. However, these serve two different purposes. Although each is used for cross-border transfers, SWIFT identifies banks and IBAN identifies individual accounts.

When a SWIFT/BIC code is required

SWIFT/BIC codes can be used for both business funds and personal transactions. Generally, you need a SWIFT/BIC code any time you send or receive funds from a bank internationally. That includes wire transfers, Single Euro Payments Area (SEPA) transactions, and other payments made through intermediaries like clearing houses.

Intermediaries are sometimes necessary when a local credit union or community bank doesn’t have connectivity to the SWIFT network. In the US, for example, a foreign sender’s bank will find a domestic partner who will then complete the transfer using the credit union or relevant financial institution’s routing number.

How to find your bank’s SWIFT/BIC code?

Before initiating an international transfer, you need to check that your financial institution has a SWIFT code. As described above, some credit unions or regional banks may not have access to the network that SWIFT codes rely on.

In most cases, you can find a bank’s SWIFT/BIC code in account statements or on their website. You can also find SWIFT/BIC codes to make bank transfers using Convera's tool, helping you navigate international payments with greater ease and accuracy.