SWIFT/BIC codes
Find the correct bank using the SWIFT code checker to validate details before making your international money transfers with MTFX. If you already have a SWIFT or BIC code, you can use our tool to verify it before sending money.
Check a SWIFT code
Enter a SWIFT/BIC to check it's correct and to find out which bank it belongs to.
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Example of a SWIFT code
AAAA
Bank codeBB
Country codeCC
Location code123
Branch codeFormat of a SWIFT/BIC number.
A SWIFT/BIC code is made up of 8 to 11 characters that uniquely identify a specific bank and branch involved in an international transfer. It helps ensure that funds are routed accurately across borders.
You can use our SWIFT code finder to look up the correct code for your bank, or run a quick SWIFT checker to confirm that an existing code is valid before processing your payment. Here's how a SWIFT/BIC code is structured:
Bank code A-Z
The first 4 letters represent the bank’s name - often a short form or abbreviation.
Country code A-Z
The next 2 letters indicate the country where the bank is located.
Location code 0-9 A-Z
These 2 characters show the bank’s city or main office location.
Branch Code 0-9 A-Z
Optional 3 characters that specify a particular branch. If shown as 'XXX', it refers to the bank’s primary office.
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When to use a SWIFT/BIC code for international transfers
A SWIFT/BIC code is required when sending or receiving international wire transfers, particularly to countries that do not follow the IBAN system. This code ensures that the funds are directed to the correct financial institution and branch, reducing the risk of delays or failed payments.
You’ll typically need a SWIFT/BIC code when transferring money to banks in the U.S., Canada, Australia, or other non-IBAN countries. It may also be required when receiving payments from abroad into your own account.
To ensure accuracy, use a trusted SWIFT code finder to look up the correct code, or validate an existing one before processing any international transactions.
How to find your SWIFT/BIC code
You can find your SWIFT/BIC code by checking your bank statement, logging into your online banking platform, or contacting your bank directly. It’s often listed alongside your account details, especially for international transfers.
To verify accuracy before sending funds, use a SWIFT checker online to confirm the code is valid and properly formatted. This helps avoid failed transactions and ensures your money reaches the right destination.
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FAQs
A SWIFT code for a bank is a unique combination of 8 to 11 characters that identifies the bank’s name, country, location, and branch. It is essential for international wire transfers.
Canadian banks do not use SWIFT codes for domestic transactions but do provide them for international transfers. If you're sending or receiving money to or from Canada, you’ll need the correct SWIFT code for your bank.
A bank SWIFT code identifies the institution and branch, while an IBAN identifies the individual account. Both may be required for international payments.
You can find your SWIFT code by checking your bank statement, logging into your online banking portal, or contacting your bank. Alternatively, use the MTFX SWIFT checker to validate it online.
The SWIFT code routes the payment to the correct bank, while the IBAN directs it to the correct account. Together, they ensure a complete and error-free international money transfer.
Yes. You can use the MTFX SWIFT checker online to verify the accuracy and structure of any SWIFT/BIC code before sending your transfer.
No. A SWIFT code is used for international transactions, while a routing number is used for domestic payments within countries like the US and Canada.