How to Find the SWIFT Code for Your Bank: A Real-Time Guide by EximPe

 Planning to send or receive money from abroad? You must know your bank's SWIFT code. This unique identifier—also called a SWIFT BIC for Bank Identifier Code—makes certain that your funds go to the right place overseas. At Eximpe, we know that getting your international transaction to function properly is job one. So here's a quick, practical guide to making sure you know your bank's SWIFT code and using it correctly.

What is a SWIFT Code?

A SWIFT code is an international financial code used to locate banks and other global financial institutions. It typically contains 8 to 11 characters and is used for secure cross-border finance payments. SWIFT code and SWIFT BIC are interchangeable and are used as your "bank international address" for money transfers.

Where to Find Your Bank SWIFT Code

Check Your Bank Statements

Your bank account statements on paper or online also include the SWIFT code. Find segments under headings such as "International Transfers" or "Bank Details." This is usually the fastest way to find out your SWIFT code without additional hassle.

Use a Bank SWIFT Code Finder

There are several bank SWIFT code finders available online. This way, you can try SWIFT's search tool or reliable financial websites to look up your bank's SWIFT BIC by name, country, and location. Those platforms are also frequently updated, so you're never going to have the—most current information.

Visit Your Bank's Official Website

Many financial institutions have their SWIFT codes listed on their official website, often in FAQs, International Banking or Wire Transfer area of the website. Just look up "[Your Bank] SWIFT code" on your bank's site to ensure you have the correct information.

Access Online Banking Platforms

Sign in to your bank account online and go to the international transfers or details page. A lot of the banks show the SWIFT BIC in this place for those who can easily reach it.

Contact Customer Support

If you're still unsure or want to double-check, contact your bank's customer service. This is especially important if your bank has multiple branches or you're dealing with a less common financial institution.

Why the Right SWIFT Code Matters

It's important to make sure you have the right bank SWIFT code to avoid delays or lost transfers. Verify the code before sending an international transfer. If your bank doesn't have a SWIFT code (as sometimes happens with smaller or digital-only banks), you may need to use an intermediary bank's SWIFT code.

Quick Reference: Common SWIFT Codes in India (2025)


Note: The last three characters (XXX) often represent the specific branch code or are used as a default for the main branch.

Use a reliable bank SWIFT code finder or check your bank’s official website to confirm the exact SWIFT BIC for your branch before making international transfers. This ensures your funds are routed correctly and without delay.

Conclusion

Finding your bank's SWIFT code is straightforward if you know where to look. Use your bank statements, online banking, official websites, or a reliable bank SWIFT code finder to ensure your international transactions with EximPe are seamless and secure. Always verify the SWIFT BIC before making a transfer-accuracy is key to global banking success.

FAQs

  1. What is a SWIFT code, and why do I need it for international transfers?

A SWIFT code is a unique identifier for banks used to route international payments securely, ensuring your funds reach the correct institution.

  1. Where can I find my bank’s SWIFT code?

You can find your bank’s SWIFT code on your bank statements, through online banking, on the bank’s official website, or by contacting customer support.

  1. Can I use any SWIFT code for my bank, or does it need to match my branch?

You should use the SWIFT code specific to your branch if available; otherwise, the main branch code (ending in XXX) is often used for most transfers.

  1. What happens if I enter the wrong SWIFT code?

Using the wrong SWIFT code may result in delays, additional fees, or your funds being sent to the wrong bank, so always double-check before making a transfer.

  1. What should I do if my bank doesn’t have a SWIFT code?

If your bank lacks a SWIFT code, you may need to use an intermediary bank’s SWIFT code to process your international transfer.


Comments

Post a Comment

Popular posts from this blog

Top 10 Mistakes First-Time Freelancers Make with Cross-Border Transactions

Freelancing globally has become a lucrative opportunity for professionals, especially in India. However, navigating cross-border transactions can be challenging. Here are ten common mistakes first-time freelancers make and how to avoid them: Overlooking Hidden Fees in Cross-Border Transactions Most freelancers do not take markups on exchange rates and hidden charges by payment providers or banks into consideration. These have the potential to cut earnings sharply. Platforms with clear pricing and competitive exchange rates, such as EximPe, can help reduce these charges. Providing Incorrect Recipient Details Errors in payments, such as the wrong name or account information of the recipient, can lead to either nonpayment or even payment delays. Check the details of the recipient and, with the appropriate tools, confirm their precision. EximPe simplifies the document check and submission processing steps for hassle-free transactions. Ignoring Local Regulations Every country has its guidel...
Read more

Budgeting Tips for Freelancers Earning in Multiple Currencies

  Budgeting when a freelancer who makes money in various currencies can be rewarding but challenging. As work becomes more globalized, several freelancers now have to manage different sources of income in diverse currencies. This blog has set out to give practical budgeting advice geared specifically towards Indian freelancers making money in multiple currencies and included relevant EximPe tips for users. Understanding the Multi-Currency Landscape Freelancers often receive payments in different currencies due to international clients. This can lead to complexities in budgeting, especially when dealing with fluctuating exchange rates and varying transaction fees. The Importance of a Multi-Currency Account A good way to handle multiple currencies is to open a multi-currency account. This enables you to keep and trade in multiple currencies without having to convert them, which may attract charges constantly. EximPe provides solutions that suit freelancers who have to deal with forei...
Read more

Is IFSC and SWIFT Code the Same? Key Differences Explained

  Whether in the banking or the financial world, you find almost all the time where you have a myriad of codes meant to ease the conducting of transactions and secure them as well. Two of such codes, the Indian Financial System Code (IFSC) and the Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code are common. While both serve to identify banks, a common misconception is that "is IFSC and SWIFT code same?" And the short response is that no, they are not. Understanding the distinct purposes and structures of IFSC and SWIFT code is crucial for anyone involved in financial transactions, especially if you're dealing with both domestic and international money transfers. It is time to explore the major distinctions to debunk these crucial banking identifiers with this simple guide by EximPe . What is an IFSC Code? Indian Financial System Code is also referred to as the IFSC code. It is an 11-character code (a mixture of alphabets and numbers), which is a di...
Read more