SWIFT Code Format Explained
SWIFT/BIC codes follow the ISO 9362 structure. Understanding each section makes it easier to spot typing errors and understand what a code represents.
The four sections
A code is divided into a bank code, country code, location code and optional branch code. The first eight characters identify the institution and its location.
- AAAA: bank or institution code
- BB: ISO country code
- CC: location code
- DDD: optional branch code
Why some codes end in XXX
XXX is commonly used for a bank head office or default branch. It means the payment should be routed to the main institution rather than a specific branch.
Example
BKCHCNBJ represents Bank of China in China and Beijing. A branch code can be added at the end to identify a specific office.
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