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When creating a recipient in SkyRemit, the system will require you to provide a "SWIFT code". It is also common for users to enter an incorrect SWIFT code. 

在创建收款人时，系统会要求用户提供SWIFT 代码。我们也发现时不时就有用户填错SWIFT 代码。

 

 

So what is a SWIFT code and how do you find it? 

After reading this article, you will know!

那么SWIFT 代码是什么，该如何查找呢？

看完这篇文章，就能找到答案啦！

 

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What a SWIFT/BIC code is?

什么是SWIFT/BIC 代码？

 

 

SWIFT stands for the Society for Worldwide Interbank Financial Telecommunications, and BIC stands for Bank Identifier Code. Sometimes, people use the terms “BIC” and “SWIFT” interchangeably.

SWIFT代表全球银行间金融电信协会，BIC代表银行识别码。有时，人们会互换使用“BIC”和“SWIFT”这两个词语。

 

 

SWIFT is a network that many banks use to facilitate the transfer of money to banks in different countries. Through the SWIFT system, banks can securely transmit information to one another. This allows them to know where the money should come from (which account should be debited) and which account should be credited with the money.

SWIFT是许多银行用来向不同国家的银行转账的网络，通过SWIFT系统，银行间可以安全地相互传输信息。这使他们知道钱应该从哪个账户（来源）扣款，以及哪个账户应该收到这笔钱。

 

 

In short, without this code, your bank won’t know where exactly they should send your money to.

简而言之，没有这个代码，你的银行就不知道他们该把你的钱汇到哪里。

 

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Not Every Bank Has a SWIFT Code

不是每家银行都有SWIFT code

 

 

Many U.S. credit unions and small banks do not connect to the SWIFT network and do not have a SWIFT code. If your overseas bank happens to be a bank without the code, contact our customer service team.

许多美国信用社和小银行没有连接到SWIFT网络，也没有SWIFT代码。如果您的海外银行恰好没有代码，请联系我们的客服。

 

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What Does a SWIFT Code Look Like?

SWIFT代码是什么样子的？

 

 

A bank’s SWIFT code is an 8- or 11-digit code with four components: Bank code, Country code, Location code and Branch code (optional).

银行的SWIFT代码是一个8位或11位代码，由四个部分组成：银行代码、国家代码、位置代码和分行代码（可选）。

 

 

①Bank code: Four letters that represent a shortened version of the financial institution’s name.

①银行代码：四个字母，代表金融机构名称的缩写版本。

 

②Country code: Two letters that indicate the country in which the financial institution is located.

②国家代码：两个字母，表示金融机构所在的国家。

 

③Location code: Two numbers or letters that identify the city of the financial institution’s headquarters.

③区号：标识金融机构总部所在城市的两个数字或字母。

 

④Branch code (optional): Three numbers or letters that identify a financial institution’s branch, as opposed to its headquarters.

④分支机构代码（可选）：标识金融机构分支机构的三位数字。

 

To help you understand better, we’ve listed out the SWIFT/ BIC codes for a few large banks from around the world:

为了帮助您更好地理解，我们列出了来自世界各地的几家大型银行的BIC/SWIFT代码：

 

Scotiabank (Canada): NOSCCATTXXX   

加拿大丰业银行：NOSCCATTXXX

 

Charles Schwab Bank (US): CSCHUS6SXXX   

嘉信理财银行（US）：CSCHUS6SXXX

 

Bank of England: BKENGB2LXXX   

英格兰银行：BKENGB2LXXX

 

State Bank of India: SBININBBXXX   

印度国家银行：SBININBBXXX

 

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How To Find a Bank’s SWIFT Code

如何找到银行的SWIFT代码

 

 

Most bank SWIFT codes can be found in one of the following ways:

大多数银行SWIFT代码可以通过以下方式找到：

 

  • Searching the bank’s website 搜索银行网站

  • Contacting the bank 联系银行

  • Checking a bank statement 检查银行对账单

  • Logging into the online banking platform or mobile banking app associated with the account

    登录账户关联的网上银行平台或手机银行应用程序

  • Searching online with the bank’s name and the keyword “SWIFT code,” verifying that any information is coming from a reliable source.

    • 通过使用银行名称和“SWIFT代码”关键字在网上搜索，确保所有信息都来自可靠的来源。

 

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How do I verify a SWIFT code?

如何验证SWIFT代码？

 

In the U.S., some banks have SWIFT codes for specific branches, while others have one SWIFT code for incoming transfers in U.S. dollars and another SWIFT code for incoming transfers in foreign currency.

在美国，一些银行为特定分行提供SWIFT代码，而另一些银行则为美元入境转账提供SWIFT代码，为外币入境转账提供另一个SWIFT代码。

 

It is important to use the correct SWIFT code when transferring money. This will help avoid transfer delays or errors.

转账时使用正确的SWIFT代码很重要。这将有助于避免转账延迟或错误。

 

When sending money for the first time, always cross-check the BIC/ SWIFT code and other details with the recipient (your bank) before you send the money.

在您第一次汇款之前，务必与收款人（也就是您的银行）交叉检查BIC/SWIFT代码和其他详细信息。

 

Then, you can choose the recipient infos which successfully transferred money at the following times.

然后，你就可以在后续转账时选择曾经转账成功的收款人信息了。

 

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So, now you know what a SWIFT code is, its format, and how to find it. Let's sign in to your SkyRemit and initiate a transfer!

现在你知道SWIFT代码是什么，它的格式，以及怎么找到它了。

赶快登录你的SkyRemit，开始汇款吧！