SWIFT / BIC Code Validator

Validate a SWIFT / BIC code (the 8- or 11-character bank identifier used for international wire transfers). The decoder splits it into bank code, country code, location, and optional branch — and verifies each component against the format defined by ISO 9362.

How to use the SWIFT / BIC Code Validator

Paste a BIC code (8 or 11 characters, alphanumeric, uppercase). Format: BBBB CC LL (XXX) — 4-letter bank code, 2-letter ISO country, 2-character location, optional 3-character branch. The validator confirms format and decodes the components.

The structure of a SWIFT/BIC code

A BIC — Bank Identifier Code, often called a SWIFT code — identifies a bank for international transfers. ISO 9362 fixes its shape: four letters for the institution, two letters for the ISO country, two characters for the location, and an optional three-character branch code. So DEUTDEFF is Deutsche Bank (DEUT), Germany (DE), Frankfurt (FF), with no branch; add 500 and it points at a specific branch. A code is therefore always exactly 8 or 11 characters.

This validator checks that length and the character rules for each segment, then splits the code into bank, country, location, and branch so you can read it. A passing code is well-formed, but BIC has no checksum — unlike an IBAN, the structure is all there is to verify, so a typo that still fits the pattern cannot be detected from the code alone.

Common use cases

  • Validating wire details — confirm a BIC is well-formed before submitting an international transfer.
  • Reading a code — break a BIC into bank, country, and location to see who and where it points to.
  • Form input checks — reject obviously malformed BICs at entry rather than at the bank.
  • Data cleaning — scan a list of supplier BICs for ones that do not fit the 8- or 11-character format.
  • Pairing with IBAN checks — validate both the BIC and the IBAN on a payment instruction together.

Frequently asked questions

What is the difference between a BIC and a SWIFT code?

They are the same thing. SWIFT is the network that standardized the code, so people say SWIFT code colloquially while the formal name in ISO 9362 is BIC, the Bank Identifier Code.

Why are some codes 8 characters and others 11?

The 8-character form identifies a bank's head office. The optional last three characters specify a particular branch; an 8-character BIC is treated as the primary office, and XXX is sometimes appended to mean the same.

Can this tool tell me if the bank actually exists?

No. BIC has no checksum and this validator works offline, so it confirms the format only. To confirm a code maps to a real, active institution you need SWIFT's directory or your bank.

What does a digit in the location code mean?

In the two-character location code, a final digit can carry meaning — for example a 0 often marks a test BIC and a 1 a passive participant. The first character is a letter; the rules are defined by SWIFT.
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