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SWIFT Code Guide

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Sources

Every document behind this BIC and IBAN guide with its reading date, plus what is still unsettled, such as bank directories and location code rules.

3 min read · Codes and rules next re-read on or before 2026-12-14

Revised 2026-10-30

What the code checker does: 8 tools

SWIFT / BIC code checker type a code and see its bank, country, location and branch parts, with the exact character that is wrong if it fails.
Find the SWIFT code of a US bank pick Chase, Bank of America, Wells Fargo and six others to get the code each bank publishes for incoming wires.
IBAN checker test length, pattern and check digits for 89 countries, and see where a typo or a swapped pair is likely.
IBAN format by country choose any of the 89 registry countries and slide along its IBAN to see what each position must hold.
Check a list of BICs and IBANs paste a spreadsheet column of up to 2,000 codes and get a reason per row, duplicates flagged, as CSV.
Do I need the BIC for a SEPA payment? answer three questions about the banks and the currency to see if the IBAN alone is enough.
Wire transfer red-flag check tick the warning signs from the FTC's advice and see whether a payment looks like a common scam.
Your saved checks store up to five checked codes under names you choose and review them together, all on your device.

Documents first read October 21–22, 2026

SWIFT, BIC policy, dated January 20, 2023: structure, allowed characters, branch identifiers, connected and non-connected BICs.
ACER, Question 2.1.2 Data Field (2): lengths of 8 and 11 characters and the XXX rule in ACER's reporting guidance.
Swift, Information paper: ISO 9362 BIC implementation, changes and impact and Swift, The BIC: frequently asked questions.
European Payments Council, IBAN and BIC.
Swift, International Bank Account Number (IBAN).
European Commission, New EU rules make instant euro payments faster and safer (October 10, 2025).
US FTC, What To Know Before You Wire Money.

Known limits

Eighth character. Swift's information paper says 0 in position 8 marks a test and training address, and its policy gives 1 as the example of a non-connected BIC. Other values carry no meaning we can source.
No directory. We do not provide a lookup of bank codes. Swift's free BIC search does not allow systematic copying. The US bank codes we show were each read on the bank's own page; Citi, TD Bank and Truist are left out because their pages publish no incoming code.
Country codes. The checker accepts ISO 3166-1 alpha-2 codes, plus XK, which the IBAN registry uses for Kosovo. If ISO adds or withdraws a code, the list changes with it.
Policy version. The Swift policy document we read is dated January 20, 2023. A newer one may exist.
National check digits. The IBAN checker knows the length, pattern and bank-code position for all 89 countries in the Swift IBAN Registry, but it does not test the national check digits inside the account number.
Non-euro SEPA. We rely on the EPC's summary of the IBAN-only rule, not the full text of Regulation 260/2012. Whether a bank in a non-EU SEPA country asks for a BIC is up to that bank.
No specialist review. No payments professional has reviewed these pages.

If a bank notice or a Swift document settles one of these points, send it to the address on the Behind the BIC checker page.

Further reading, October 30, 2026

Swift, ISO 13616 IBAN Registry (TXT): length, BBAN pattern, bank identifier position and SEPA flag for 89 countries; every registry example IBAN passes our checker.
European Payments Council, EPC409-09 List of SEPA scheme countries, v8.0 of December 24, 2025: 30 EU/EEA countries, 11 others, territories, and the admission dates for Albania, Montenegro, North Macedonia, Moldova and Serbia.
EPC, IBAN and BIC, reread: the IBAN-only dates (February 1, 2014 national, February 1, 2016 cross-border). Our earlier wording about third-party databases was not on that page and has been removed.
Swift, ISO 9362 information paper, reread for the test and training rule (0 in position 8).
Chase, How the SWIFT banking system works, for correspondent banks.
All the US bank pages listed below were read again; codes, routing numbers and fees were unchanged. The one correction: Bank of America's page now simply says to select the receiving account in the app or Online Banking to see its number.

Further reading, October 26, 2026

EUR-Lex, Regulation (EU) 2024/886 on instant credit transfers in euro, Article 5c inserted into Regulation (EU) No 260/2012: match, close match and no match results, the payer's right to authorize anyway, liability and the October 9, 2025 / July 9, 2027 dates. It replaces our earlier reading of the Commission's press page on this point.
Bank pages read for the US codes: Chase wire FAQ, Chase, SWIFT code vs routing number, Bank of America wires, Wells Fargo routing and wire FAQ, PNC wire transfers, USAA incoming international wire sheet, BMO U.S. account guide, U.S. Bank, Capital One, Navy Federal.
Swift, free BIC search terms.

Further reading, October 24, 2026

The batch checker uses the BIC format from SWIFT's policy and the IBAN modulo 97 test (ISO 13616, general knowledge of the standard, as on the IBAN page). The red-flag weights are our own.

Did a bank change its code or branch details? Report a changed code