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How Swift Code Helps to Transfer Money?

A number of us might not be aware that in the banking terminology their exists a word which goes by the name of Swift Code and we will dwell on it in below paras.

Swift code is nothing but a unique code to each bank and we came to know about it when we wanted to get some money refunded back from Google. Every bank has this Swift code and it stands for “Society for Worldwide Interbank Financial Telecommunication”. This is the  body who allots code to each bank. Sometimes BIC code is also referred as SWIFT Code. This code is generally required when you are undertaking international transfers as Indian banks for their domestic transaction just require IFSC code or mobile number for RTGS or NEFT or IMPS transfers

Usually this code consists of either 8 or 11 characters. For example HDFC Bank’s SWIFT Code is HDFCINBB.
  • First four characters indicates the Bank Name.
  • Next two characters indicates country code.
  • Next two characters indicates the location code.
  • Next three characters are optional which indicates the bank branch codes.
Hope this Swift Code understanding will help you to send money home without any problem and this code can be obtained from the bank and surprisingly at times bank employees do not even know about it.

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