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Format of a SWIFT/BIC number.

A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch.

Bank code A-Z
4 letters representing the bank. It usually looks like a shortened version of that bank's name.
Country code A-Z
2 letters representing the country the bank is in.
Location code 0-9 A-Z
2 characters made up of letters or numbers. It says where that bank's head office is.
Branch Code 0-9 A-Z
3 digits specifying a particular branch. 'XXX' represents the bank’s head office.

SWIFT code example	SMCOGB2LXXX
SWIFT code (8 characters)	SMCOGB2L
Bank Code	SMCO
Country Code	GB
Location Code	2L
Branch Code	XXX

Common mistakes to look out for

Typing mistakes

SWIFT codes are typically long, and it’s easy to make a mistake when typing them character by character. Try to copy and paste when you can.

Incorrect formats

When sending money online, you should always use the digital format. Some banks will reject your transfer if you use the print format, with spaces between the characters.

Recipient details

Banks will sometimes ask for more details. It’s important you enter these details correctly, or your transfer could be rejected — even if the SWIFT is valid.

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