Sending or receiving a money transfer using your bank account? You’ll need a SWIFT/BIC code for international bank transfers lớn and from the United States.

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1 – Bank code (4 letters)The first four letters represent the ngân hàng & usually look lượt thích an abbreviated version of the ngân hàng 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.

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

Different countries require various codes lớn conduct money transfers. When you transfer money between banks, khổng lồ a bank tài khoản across international lines, or for SEPA payments, you’ll almost always need a SWIFT/BIC code .Countries that may require a SWIFT/BIC code lớn send money include:

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

A SWIFT (Society for Worldwide Interngân hàng Financial Telecommunications) code is an 8-11 character long, standard format code that identifies banks & financial institutions worldwide. Also called a SWIFT number, this code facilitates the transfer of money between banks và is needed for both international wires and SEPA payments.

BIC stands for Bank Identifier Code. It is an 8 to lớn 11-character code that identifies banks globally. BIC codes are used to sover money between banks lớn ensure money is directed khổng lồ the right place.

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SWIFT và BIC codes mean the same thing and the terms are used interchangeably. Both SWIFT and BIC codes identify banks & financial institutions and are used for money transfers.

SWIFT codes và an IBAN are not the same thing but serve a similar purpose. Both SWIFT codes và IBAN’s are used during international transactions, however, a SWIFT code identifies the location of a specific bank while an IBAN (International Bank Account Number) identifies the individual account.

Yes, you will need a SWIFT code to lớn make an international money transfer. This code helps ensure your money transfer arrives at the intended location.

SEPA (Single Europe Payments Area) allows you to transfer euros within the European community. You will usually be prompted to lớn provide a SWIFT code when you skết thúc or receive sầu money internationally with SEPA. While SWIFT transfers can be placed using various currencies, SEPA payments only transfer euros.

This varies by bank. Some banks use the same SWIFT code for all their branches while other banks designate a quality SWIFT code for each branch. If you are unsure of which code to lớn use, you can typically use the bank’s head office SWIFT code lớn send money.

Have a question about how lớn skết thúc money? Contact our Customer Care team or visit our FAQ page for more information.

*If you’re using a credit thẻ, a card-issuer cash advance fee và associated interest charges may apply. To avoid these fees or for reduced fees, use a debit thẻ or check

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Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985. These licensed companies may be verified through the NMLS Consumer Access trang web - https://www.nmlsconsumeraccess.org/.Western Union Financial Services, Inc. và Western Union International Services, LLC are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.