SWIFT/BIC 知识指南

当前详细指南以英文发布,覆盖 SWIFT 码格式、校验、IBAN 区别和国际汇款常见问题。

What Is a SWIFT Code?

Learn what a SWIFT code is, how the 8 and 11 character BIC format works, and when to use it for an international bank transfer.

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SWIFT vs BIC: What Is the Difference?

SWIFT and BIC usually refer to the same bank identifier. Learn why both terms are used and how to find the correct code for a transfer.

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SWIFT vs IBAN: What Is the Difference?

Understand the difference between a SWIFT/BIC code and an IBAN, and how they are used together in international payments.

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How to Find a SWIFT/BIC Code

Find the correct SWIFT/BIC code by checking a bank statement, bank website, online banking portal or a reliable SWIFT code lookup tool.

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How to Validate a SWIFT/BIC Code

Validate a SWIFT/BIC code by checking its length, structure, country code and whether it appears in a bank code database.

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What Happens If You Use the Wrong SWIFT Code?

Learn what can happen when a SWIFT/BIC code is incorrect, including delays, returned payments and additional bank fees.

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How Long Does an International Bank Transfer Take?

Typical international transfer times depend on countries, currencies, cut-off times, intermediary banks and compliance checks.

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SWIFT Code Format Explained

A clear explanation of the SWIFT/BIC code format, including bank code, country code, location code and branch code.

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