How do I obtain the recipient bank code for overseas transfers?

SWIFT BIC

A SWIFT BIC (Business Identifier Code) is an 8-11 character code that is used to identify banks and financial institutions globally. These codes are used for money transfer between banks, especially for international wire transfers or SEPA payments.

To find recipient bank's SWIFT BIC, usually you can ask your recipient to check their bank official website, account statements, or by contacting their bank directly. Alternatively, you may also use the SWIFT BIC finder to look up or verify the BIC provided by the recipient, click here.

IBAN or International Bank Account Number

An International Bank Account Number (IBAN) is a standardized code that identifies a specific bank account for international money transfer to help prevent errors and delays.

Example of a valid IBAN:

GB29 NWBK 6016 1331 9268 19

• Country Code: GB
• Check Digits: 29
• The specific bank, branch, and account number: NWBK 6016 1331 9268 19

You can obtain the recipient’s IBAN by asking your recipient to check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

Fedwire / ABA Routing Number for US Fedwire

Banks and other Financial Institutions in the US use 9-digit ABA (American Bankers Association) or Fedwire Routing Numbers to identify themselves and process electronic transactions.

You can usually find your recipient bank's ABA / Fedwire Routing Codes by asking your recipient to check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

Alternatively, you may also check the official website of the Federal Reserve to find the right routing number for your transfer.

ACH Routing Number for US ACH

The US Automated Clearing House (ACH) network uses these routing numbers to faciliate electronic transfers amongst their network participating banks.

You can usually find your recipient bank's ACH routing codes by asking your recipient to check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

Alternatively, you may also check the official website of the Federal Reserve to find the right routing number for your transfer.

BSB Code for AUD Wires

A Bank-State-Branch (BSB) code is a six-digit number used to identify a specific branch of an Australian financial institution for domestic money transfers within Australia.

To obtain the BSB code from your recipient, they may check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

You can look up the BSB code using the online tools provided here. However, we recommend obtaining it directly from the recipient.

IFSC Code for INR Wires

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch within India's electronic fund transfer network.

The format of the IFSC code starts with 5 characters representing the bank's name, followed by the last six characters, which can be either alphabetic or numeric, representing the specific branch of the bank.

The IFSC code can be retrieved either via the bank or through online resources such as the official Reserve Bank of India website.

Canadian routing number for CAD Wires

The Canadian routing number consists of an institution number and a transit number. The institution number is a unique 3-digit code assigned to a specific bank or financial institution to identify them. A transit number is a 5-digit code that identifies the branch which the account was opened at and together with the institution number they form a routing number.

You can obtain the routing number by asking your recipient to check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

The routing number can also be confirmed using the list provided in the official Payments Canada website.

UK sort code for GBP Wires

The UK sort code is a six-digit number that identifies the specific bank and branch where an account is held. The first two digits identify the specific bank while the last four digits identify the specific branch of that bank where the account is held.

You can obtain the sort code by asking your recipient to check their bank-issued cheque/ bank account statements, online banking portal, or by contacting their bank directly.

The sort code can be verified using the sort code checker provided by Pay.UK in this link.

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