SWIFT/BIC Codes
Trova un codice SWIFT
What is a SWIFT/BIC code?
A SWIFT code, also known as a BIC, is an international bank identifier used to make sure your money reaches the right place when sending or receiving funds across borders. It tells banks exactly which financial institution is involved in the transfer, helping to ensure secure, accurate delivery of international payments.
SWIFT/BIC code format
A SWIFT/BIC code is 8 to 11 characters long and identifies a specific bank and branch anywhere in the world. Each part of the code has a meaning:
Bank Code (AAAA): 4 letters that represent the bank—often a shortened version of its name.
Country Code (BB): 2 letters that show which country the bank is located in.
Location Code (CC): 2 characters (letters or numbers) that indicate the bank’s head office or region.
Branch Code (123): 3 digits that specify a particular branch. If this section is ‘XXX’, it refers to the bank’s head office.
When do you need a SWIFT/BIC code?
You may need a SWIFT/BIC code when sending or receiving money internationally. It helps direct the transfer to the correct bank and branch. Not all transfers require one—some countries use other details like an IBAN or local bank code instead.
Where can I find my SWIFT/BIC code?
You can usually find your SWIFT/BIC code in your online banking, on a bank statement, or on your bank’s website. You can also use our SWIFT/BIC code finder to look up the correct code for a bank and branch.
Key differences between branch SWIFT codes
Head office
A head office SWIFT code refers to a bank’s main office, often used for international transfers when a specific branch code isn’t needed. These codes usually end in XXX and allow the bank to receive the payment centrally and route it internally to the correct account.
Local branch
A local branch SWIFT code refers to a specific branch of the bank. It's used when the exact branch must be specified for a transaction and may speed up the transfer. It ends in a variation of three characters, like 123, that distinguish it from other branches.
Found the SWIFT code you need? Let’s get your money moving.
Whether you're sending money to your loved ones or purchasing your dream home abroad—Xe has you covered. Send money to over 190 countries across 130+ currencies. Setting up your first transfer is easy and quick.
SWIFT/BIC code frequently asked questions