Check your SWIFT/BIC code

SWIFT codes follow a specific format. Validate your code here before sending an international money transfer.

SWIFT code checker

A SWIFT code consists of 8 or 11 characters.
  • First 4 characters: Bank code
  • Next 2 characters: Country code
  • Next 2 characters: Location code
  • Last 3 characters: Branch code (optional)

SWIFT code format explained

A SWIFT code is either 8 or 11 characters long and follows a standard structure used worldwide:

  • Bank code – 4 letters that identify the bank
  • Country code – 2 letters that identify the country
  • Location code – 2 characters (letters or numbers) that identify the city or region
  • Branch code – 3 characters (optional) that identify a specific branch

Together, this format works like a global address, making sure your transfer reaches the right bank without delays.
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Why the right SWIFT code matters

Using an incorrect SWIFT code can cause your transfer to be delayed, rejected, or sent back. In some cases, it may even reach the wrong bank. Always double-check your code to avoid costly mistakes. Use our SWIFT code checker to validate the format and avoid errors.
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Get help with SWIFT codes

Remitly FAQ

How to verify a SWIFT transfer?

You can verify a transfer by confirming that your bank has the correct SWIFT/BIC code for the receiving bank or financial institution. Use our SWIFT Code Checker to validate the format, then check directly with your bank before sending money.

Don't know your SWIFT code? Search for it here.

How to recognize a SWIFT code?

A valid SWIFT code has 8 or 11 characters:
  • 4 letters for the bank code
  • 2 letters for the country code
  • 2 characters for the location code
  • Optional 3 characters for the branch code

Where can I check a SWIFT code?

You can test your SWIFT/BIC code right here with our SWIFT code checker. Just enter the code, and we'll confirm if the format is correct. For final confirmation, always check with your bank.

What's an example of a valid SWIFT code?

A valid SWIFT code looks like this: AAAAUS33XXX
  • AAAA = Bank (Bank code)
  • US = Country (United States)
  • 33 = Location (New York)
  • XXX = Branch (optional)

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