Question 1

What's the difference between SWIFT codes and BIC codes?

Accepted Answer

SWIFT and BIC codes are essentially the same. Both identify banks for secure international transactions. While "SWIFT code" is widely used, "BIC" is the official term financial institutions use. Both ensure your money reaches the correct destination safely.

Question 2

Do I need a SWIFT code to send money internationally?

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Yes, you'll typically need a SWIFT code to send money internationally. The SWIFT code directs your transfer to the correct bank and branch, helping to ensure your funds reach the proper destination securely and without delay. When you use Remitly, you don't need to worry about SWIFT codes, and our network includes a wide range of banks and cash pickup options.

Question 3

Do all bank branches use the same SWIFT code?

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No, SWIFT codes aren’t the same for all bank branches. Each branch usually has its own unique code to make sure your money gets to the right place. Using the correct SWIFT code for the specific branch you’re sending money to is important.

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Is it safe to send money online with Remitly?

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It’s safe to send money online with Remitly and we ensure your money transfers to the United States are secure, on time, and reliable. If your transfer doesn’t arrive on time, we’ll refund your fees.

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The cost of sending money to the United States varies depending on the amount you're sending, the payment method, and the delivery option you choose. At Remitly, we strive to provide competitive exchange rates and low fees.

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Does Remitly offer discounts for new customers?

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Yes! We offer discounts for when you send your first money transfer. Eligibility restrictions may apply.  Check out our transfer offers for first-time senders.

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What are the ways to receive a money transfer?

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The ways you can receive money include [cash pickup](https://www.remitly.com/gb/en/landing/cash-pickup), [mobile money](https://www.remitly.com/gb/en/landing/mobile-wallet), [home delivery](https://www.remitly.com/gb/en/landing/home-delivery), [debit card deposit](https://www.remitly.com/gb/en/landing/debit-card-deposit), or [directly to a bank account](https://www.remitly.com/gb/en/landing/bank-deposit), depending on the recipient's location. It's important to let the sender know your preferred method.  Your recipient doesn't need to sign up with Remitly to receive money. However, the sender must [create a Remitly account](https://www.remitly.com/us/en/help/article/sign-up) to send money.

SWIFT code	MSNYUS33XXX
SWIFT code (8 chr)	MSNYUS33
Bank name	MORGAN STANLEY AND CO., LLC
Bank address	1585 BROADWAY, NEW YORK NY 10036-8293, US
Branch code	XXX
City	NEW YORK
Country	United States

MORGAN STANLEY AND CO., LLC SWIFT code in the United States

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What is the SWIFT code for MORGAN STANLEY AND CO., LLC?

Example SWIFT code format

MSNY

US

33

XXX

Local branches of MORGAN STANLEY AND CO., LLC

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