SWIFT / BIC Codes for Bank Transfers | Western Union US (2024)

Sending or receiving a money transfer using your bank account? You’ll need a SWIFT/BIC code for international bank transfers to and from the United States.

Bank transfers

SWIFT / BIC Codes for Bank Transfers | Western Union US (1)

What is a SWIFT/BIC code?

A SWIFT code, also called a SWIFT number, is used to identify banks and financial institutions worldwide. The term Business Identifier Code (BIC) is used interchangeably with SWIFT code and means the same thing. These codes facilitate money transfers between banks and are needed for international wires and SEPA payments. To make an international money transfer from the United States, you’ll need a SWIFT/BIC code.

How is a SWIFT/BIC code formatted?

A SWIFT/BIC code consists of 8-11 characters and follows a format that identifies your bank, country, location, and branch.

SWIFT / BIC Codes for Bank Transfers | Western Union US (2)

1 – Bank code (4 letters)
The first four letters represent the bank and usually look like an abbreviated version of the bank name.

2 – Country code (2 letters)
These two letters indicate the country where the bank is located.

3 – Location code (2 letters or numbers)
These two characters designate the location of the bank’s main office.

4 – Branch code (3 digits)
These 3 digits identify a specific branch. ‘XXX’ is used for a bank’s head office.

How do I know if I need a SWIFT/BIC code?

Different countries require various codes to conduct money transfers. When you transfer money between banks, to a bank account across international lines, or for SEPA payments, you’ll almost always need a SWIFT/BIC code .Countries that may require a SWIFT/BIC code to send money include:

Need more information? Find the bank transfer details you need to send money easily.

Where can I find a
SWIFT/BIC code?

You can find a SWIFT/BIC code by looking at your bank statement, referring to your bank’s website, or by searching for it online.

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Frequently asked questions about SWIFT/BIC codes

What is a SWIFT code?

A SWIFT (Society for Worldwide Interbank Financial Telecommunications) code is an 8-11 character long, standard format code that identifies banks and financial institutions worldwide. Also called a SWIFT number, this code facilitates the transfer of money between banks and is needed for both international wires and SEPA payments.

What is a BIC code?

BIC stands for Bank Identifier Code. It is an 8 to 11-character code that identifies banks globally. BIC codes are used to send money between banks to ensure money is directed to the right place.

What’s the difference between SWIFT and BIC codes?

SWIFT and BIC codes mean the same thing and the terms are used interchangeably. Both SWIFT and BIC codes identify banks and financial institutions and are used for money transfers.

Are SWIFT codes and an IBAN the same thing?

SWIFT codes and an IBAN are not the same thing but serve a similar purpose. Both SWIFT codes and IBAN’s are used during international transactions, however, a SWIFT code identifies the location of a specific bank while an IBAN (International Bank Account Number) identifies the individual account.

Do you need a SWIFT code for international money transfers?

Yes, you will need a SWIFT code to make an international money transfer. This code helps ensure your money transfer arrives at the intended location.

How are SEPA and SWIFT/BIC codes connected?

SEPA (Single Europe Payments Area) allows you to transfer euros within the European community. You will usually be prompted to provide a SWIFT code when you send or receive money internationally with SEPA. While SWIFT transfers can be placed using various currencies, SEPA payments only transfer euros.

Is a SWIFT code the same for all branches?

This varies by bank. Some banks use the same SWIFT code for all their branches while other banks designate a unique SWIFT code for each branch. If you are unsure of which code to use, you can typically use the bank’s head office SWIFT code to send money.

Still have a question or need help?

Have a question about how to send money? Contact our Customer Care team or visit our FAQ page for more information.

FAQ

*If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check

SWIFT / BIC Codes for Bank Transfers | Western Union US (2024)

FAQs

What is SWIFT BIC of Unionbank? ›

The SWIFT/BIC code for Union Bank is UBPHPHMMXXX. However, Union Bank uses different SWIFT/BIC codes for the different types of banking services it offers.

What is BIC code of Union Bank? ›

Union Bank of India SWIFT code in India. The SWIFT/BIC code for Union Bank of India is UBININBBXXX. However, Union Bank of India uses different SWIFT/BIC codes for the different types of banking services it offers.

How do I get SWIFT code for bank transfer? ›

You can find a SWIFT/BIC code by looking at your bank statement, referring to your bank's website, or by searching for it online.

How can I find my SWIFT BIC code? ›

How do you find your SWIFT/BIC code? To locate your SWIFT/BIC code, check any paper or digital banking statements, or look at your account details on your online banking profile. You can also search for your BIC code using a digital SWIFT/BIC search tool by providing your country and bank location data.

What is the transfer code for Union Bank? ›

Don't be an Uncle Thomas, do it all with *826#!
FunctionShort Code
Transfer money to Union Bank*826*1*Amount*Account No#
Transfer money to other banks*826*2*Amount*Account no#
Cardless withdrawal*826*7*amount#
Locate a branch/Union Direct Agent*826*19#
12 more rows

Can UnionBank receive international transfers? ›

If you're waiting for a payment you're probably wondering can UnionBank receive international transfers, or perhaps more specifically can UnionBank receive USD, if you have a UnionBank USD account. In both cases the answer is yes, as long as you have a UnionBank account which is eligible for inward remittances.

Do you need a SWIFT code for a bank transfer? ›

Your SWIFT code is usually required if someone is sending you an international money transfer as it's used to identify an individual bank to verify international payments.

How to check the SWIFT code of a bank? ›

You will typically be able to find your SWIFT code on bank statements and on your online or app banking. Most often it will be in the same place as your IBAN number.

Is there a SWIFT code for each branch? ›

It depends on the recipient's bank. Some banks may have one BIC/ SWIFT code for all their branches, while others have unique SWIFT codes for each of their branches. Plus, since all the branches of a bank may or may not use the SWIFT network, the code usually specifies the bank's head office or primary office.

Do US banks have SWIFT codes? ›

Your full account number. For domestic wires, your routing number. For international wires, they need to use a Swift Code instead of the routing number. U.S. Bank's Swift Code is USBKUS44IMT.

How many digits is a swift BIC code? ›

A SWIFT/BIC code consists of 8-11 characters and follows a format that identifies your bank, country, location, and branch. The first four letters represent the bank and usually look like an abbreviated version of the bank name. These two letters indicate the country where the bank is located.

Is a SWIFT code the same as a routing number? ›

Swift codes are used for international transactions. This involves transfers across different countries and continents. Routing numbers, on the other hand, are specific to the United States and are meant to facilitate domestic transactions within the country.

Is SWIFT BIC code same for all branches? ›

Is a SWIFT code the same for all branches? This varies by bank. Some banks use the same SWIFT code for all their branches while other banks designate a unique SWIFT code for each branch. If you are unsure of which code to use, you can typically use the bank's head office SWIFT code to send money.

What is the BIC or SWIFT code in the Philippines? ›

A SWIFT Code, also known as BIC, is an alphanumeric code used to make international money transfers more secure. Find out more about this important part of the money transfer process before sending money to friends and family in the Philippines.

What banks have a SWIFT BIC code? ›

US Bank SWIFT Codes
  • Wells Fargo. Wells Fargo's SWIFT code is WFBIUS6SXXX.
  • Bank of America. Bank of America's SWIFT code is BOFAUS6SXXX.
  • Citibank. Citibank's SWIFT code is CITIUS33XXX.
  • Chase. Chase's SWIFT code is CHASUS33XXX.
  • BMO Harris. BMO Harris' SWIFT code is HATRUS44XXX.

What is the BIC code of Unibank? ›

UBNKHTPP XXX BIC / SWIFT Code - UNIBANK S.A. Haiti - Wise.

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