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A SWIFT code — sometimes also called a BIC number — is a standard format for Business Identifier Cod. It’s used to identify banks and financial institutions globally. It says who and where they are — a sort of international bank code or ID.These codes are used when transferring money between banks, in particular for international wire transfers or SEPA payments. Banks also use these codes to exchange messages between each other. A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch. Bank code -4 letters representing the bank. It usually looks like a shortened version of that bank's name. Country code -2 letters representing the country the bank is in. Location code-2 characters made up of letters or numbers. It says where that bank's head office is. Branch Code-3 digits specifying a particular branch. 'XXX' represents the bank’s head office. When do you need a SWIFT/BIC code?If you’re sending or receiving money internationally between banks, particularly international wire transfers or SEPA payments, you may be asked for a SWIFT code. SWIFT codes help banks to process transfers from abroad. A SWIFT code usually consists of 8 or 11 characters. If you come across 8-digit SWIFT code, note that it is the main branch/office of the bank. For further clarification a simple skeleton of its feature is shown below. Every character has a significance which has been explained below for a quick understanding:
This makes it so logical and synchronized to easily spot the bank and its branch with the help of the code. What is BankSwiftCode.ORG? BankSwiftCode is a website that has been designed exclusively for offering free BIC Codes / Swift Codes directory for searching any financial institution's Bank Identification Code. You have all the convenience of choosing from two kinds of searches- Alphabetical search and Keyword search, to have quick and convenient access. It is a simple process. You just need to add the bank's name and you will be provided with all the information about that bank that is available in our database. SWIFT Code, BIC The following countries are the 24th largest economies based on Gross Domestic Product (GDP) as listed by the International Monetary Fund (IMF).
What are Domestic Bank Codes? Some countries also implement domestic bank code or clearing system to transfer money within their own border. Examples are, Routing Number in United States (USA), Routing Number or Transit Number in Canada, Sort Codes in United Kingdom (UK), National Sort Codes (NSC) in Ireland, Bankleitzahl (BLZ Codes) in Germany, Bankenclearing-Nummer (BC) & SIX Interbank Clearing Codes (SIC) in Switzerland, Code Banque & Code Guichet In France, Codice ABI (ABI) & Codice di Avviamento Bancario (CAB Code) in Italy, Registreringsnummer (Reg. nr.) in Denmark, Bank State Branch (BSB number) in Australia, Bank State Branch (BSB number) in New Zealand and Indian Financial System Code (IFSC) in India. Code, ISO 9362 SWIFT Code or BIC code are part of ISO 9362 standards. It is a standard format of Business Identifier Codes (BIC). BIC sometimes also refers to Bank Identifier Code. SWIFT Code or BIC Code is a unique code to identify financial and non-financial institutions. These codes are mostly used when transferring money between banks, especially for international wire transfers or telegraphic transfer (TT). The codes are also used in exchanging messages between banks. For individual users, SWIFT Code normally used to transmit money across the international border.
值得注意的是匯款到歐洲SWIFT和IBAN必須同時擁有，只有一個都不行。匯款是通過SWIFT先進(jìn)全球的系統(tǒng)，再劃到歐洲區(qū)，到了歐洲區(qū)再由IBAN確定具體的某家銀行.所以一般我們匯款到英國和美國只需要swift代碼,匯款到歐洲一般就相對麻煩一些了。 銀行國際代碼(SWIFT Code)是由SWIFT協(xié)會提出并被ISO通過的銀行識別代碼，凡該協(xié)會的成員銀行都有自己特定的SWIFT代碼.在電匯時，匯出行按照收款行的SWIFT CODE發(fā)送付款電文，就可將款項匯至收款行。該號相當(dāng)于各個銀行的身份證號。其原名是BIC(Bank Identifier Code)，但是BIC這個名字意思太泛，擔(dān)心有人理解成別的銀行識別代碼系統(tǒng)，故漸漸大家約定俗成地把BIC叫作SWIFT Code了。 SWIFT是（Society for Worldwide Interbank Financial Telecommunications）環(huán)球銀行間金融通信協(xié)會是一個由金融機(jī)構(gòu)共同擁有的私營股份公司，按比利時的法律登記注冊，由會員銀行和其他金融機(jī)構(gòu)協(xié)同管理。 銀行國際代碼（SWIFT Code）一般用于發(fā)電匯，信用證電報，每個銀行都有，用于快速處理銀行間電報往來。SWIFT是一個國際銀行間非盈利性的國際合作組織，總部設(shè)在比利時的布魯塞爾，同時在荷蘭阿姆斯特丹和美國紐約分別設(shè)立交換中心(Swifting Center），并為各參加國開設(shè)集線中心(National Concentration），為國際金融業(yè)務(wù)提供快捷、準(zhǔn)確、優(yōu)良的服務(wù)。SWIFT運(yùn)營著世界級的金融電文網(wǎng)絡(luò)，銀行和其他金融機(jī)構(gòu)通過它與同業(yè)交換電文（Message）來完成金融交易。除此之外，SWIFT還向金融機(jī)構(gòu)銷售軟件和服務(wù)，其中大部分的用戶都在使用SWIFT網(wǎng)絡(luò)。 十一位數(shù)字或字母的BIC可以拆分為銀行代碼、國家代碼、地區(qū)代碼和分行代碼四部分。以中國銀行北京分行為例，其銀行識別代碼為BKCHCNBJ110。其含義為：BKCH（銀行代碼）、CN（國家代碼）、BJ（地區(qū)代碼）、110（分行代碼）。 |
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