Find the Correct SWIFT Code
Accurate SWIFT lookup
Faster transfers
Error-free payments
When you transfer money overseas, banks require the recipient’s SWIFT code to route your funds to the correct foreign bank. Providing the right SWIFT code ensures your international payment is processed smoothly, without delays or return charges.
Enter the recipient’s bank details to verify their SWIFT code and complete your international transfer with confidence.
Verify SWIFT code of your recipient
Enter SWIFT Code*
Transfer now with HOP Remit
SWIFT explained for International Transfers
SWIFT (Society for Worldwide Interbank Financial Telecommunication) is the secure global network that banks use to exchange payment instructions for international transfers.
A SWIFT code is a unique identifier for a bank abroad. It tells the global banking system where your money should go when sending funds overseas.
Simple analogy:
IFSC is used for transfers within India. SWIFT is used for transfers outside India. If your SWIFT is correct, the money moves faster and reaches the correct foreign bank. If it's wrong, the transfer may be delayed, rejected, or returned.
Where do you find your SWIFT code?
To send money abroad, ask the recipient to share their bank’s SWIFT code.They can find it easily in:
Tip: In many countries, one SWIFT code is used for all branches.The recipient must confirm the correct code before you initiate the transfer.
Structure of SWIFT Code
SWIFT Code Format
- Bank Code:The first 4 characters represent the bank code identifying the bank.
- Country Code:The next 2 characters indicate the country code, representing the bank’s location.
- Location Code:The following 2 characters denote the location code, specifying either the head office or a branch of that bank.
- Branch Code:Optionally, there can be a 3 characters for a branch code, which further identifies a branch within that particular bank (though not always used).
The big confusion
IBAN | SWIFT | Routing no/ ACH | BSB | Sort code
Cross-border payments involve region-specific bank identifiers. Understanding the difference prevents transaction failures:
Send Money Internationally at the Right Time & Rate
Smarter transfers start with live rate visibility and total transparency.
Frequently Asked Questions
What is a SWIFT code?
A SWIFT code is an international bank identifier that helps route money between banks across countries by specifying the exact bank or branch receiving the transfer.
Why do banks use SWIFT codes?
Banks use SWIFT codes to securely identify one another during cross-border transfers, ensuring funds reach the correct bank in the correct country without errors.
How can I find my bank’s SWIFT code?
You can find the SWIFT code on your bank statement, the bank’s website, its mobile or net banking app, through customer care, or by searching online.
Is a SWIFT code the same as an IFSC code?
No. IFSC is used only for transfers within India, while SWIFT is used for international transfers. The two are not interchangeable.
Can I send money abroad without a SWIFT code?
In most cases, no. SWIFT codes are required to identify the receiving bank. Some countries also use IBANs, but a SWIFT code is still typically needed.
What happens if I enter an incorrect SWIFT code?
A wrong SWIFT code can cause delays, transfer failures, refund processing, or additional charges. Banks will not process a transfer to an invalid identifier.
Are SWIFT codes required for international transfers from India?
Yes. Most outward remittances under LRS—including tuition fees, living expenses, and personal transfers—require a valid SWIFT code.
Do Indian banks have SWIFT codes?
Yes. All major Indian banks such as SBI, HDFC, ICICI, Axis, Kotak, PNB, and Canara Bank have SWIFT codes, often branch-specific.
How long is a SWIFT code?
SWIFT codes are either 8 characters long (identifies the bank) or 11 characters long (identifies a specific branch).
Is a SWIFT code required for education fee payments abroad?
Yes. Universities, colleges, and foreign banks require the beneficiary’s SWIFT code to process international education fee transfers.
Are SWIFT codes always branch-specific?
Not always. Some banks use a single SWIFT code for all branches, while others maintain multiple branch-specific codes. It’s best to verify with the bank or university.
Can a bank have multiple SWIFT codes?
Yes. Banks with multiple international desks or city branches often operate with more than one SWIFT code.
Do all countries use SWIFT codes?
Most countries use SWIFT for cross-border payments. In Europe and some regions, IBAN is used alongside SWIFT for better accuracy.
Is a SWIFT code needed to receive money in India?
Yes. Anyone sending money to your Indian bank account from abroad must provide your bank’s SWIFT code.
How long does a SWIFT transfer take?
SWIFT transfers typically take 1 to 3 business days, depending on cut-off times, time zones, and intermediary banks involved.
