A wrong bank code is the most common reason an international transfer is delayed, charged twice or sent back. Check these before you book.
SWIFT / BIC
8 or 11 characters: 4 letters for the bank, 2 for the country, 2 for the location and an optional 3 for the branch — for example HDFCINBBXXX.
IBAN
Used in Europe, the UK, the UAE and the Gulf. It starts with the country code and two check digits, and the check digits catch most typing mistakes.
Local codes
- USA — ABA routing number, 9 digits.
- UK — sort code, 6 digits (or use the IBAN).
- Canada — transit (5) and institution (3) numbers.
- Australia — BSB, 6 digits.
Charges
For fees and deposits choose OUR (sender pays all charges) so the full amount arrives.
Use our free SWIFT, IBAN and IFSC checker, then book the transfer.