# Sources and open points

> Every document behind this BIC and IBAN guide with its reading date, plus what is still unsettled, such as bank directories and location code rules.

- Canonical URL: https://swiftcodelookup.com/sources/
- Checked: 2026-10-22

## Documents first read 21–22 October 2026

- [SWIFT, BIC policy, dated 20 January 2023](https://www2.swift.com/knowledgecentre/rest/v1/publications/bic_policy/3.0/bic_policy.pdf): structure, allowed characters, branch identifiers, connected and non-connected BICs.
- [ACER, Question 2.1.2 Data Field (2)](https://www.acer.europa.eu/question-212-data-field-2): lengths of 8 and 11 characters and the XXX rule in ACER's reporting guidance.
- [Swift, Information paper: ISO 9362 BIC implementation, changes and impact](https://www.swift.com/swift-resource/9586/download) and [Swift, The BIC: frequently asked questions](https://www.swift.com/swift-resource/252025/download).
- [European Payments Council, IBAN and BIC](http://www.europeanpaymentscouncil.eu/index.cfm/sepa-credit-transfer/iban-and-bic/).
- [Swift, International Bank Account Number (IBAN)](https://www.swift.com/standards/data-standards/iban-international-bank-account-number).
- [European Commission, New EU rules make instant euro payments faster and safer (10 October 2025)](https://finance.ec.europa.eu/news/new-eu-rules-make-instant-euro-payments-faster-and-safer-2025-10-10_en).
- [US FTC, What To Know Before You Wire Money](https://consumer.ftc.gov/articles/what-know-you-wire-money).

## Points we could not settle
1. **Eighth character values.** The 2023 policy gives only 1 as its example; the information paper says connectivity moved to a directory attribute in 2018. We say nothing about other values.
2. **Directory.** We do not provide a lookup of bank codes. Swift's free BIC search does not allow systematic copying. The US bank codes we show were each read on the bank's own page; Citi, TD Bank and Truist are left out because we found no incoming code on their pages.
3. **Country list.** The checker requires two letters for the country but does not check that the code is currently assigned.
4. **Policy version.** The policy document we read is dated 20 January 2023. A newer one may exist.
5. **IBAN country formats.** We did not load the Swift IBAN Registry, so the IBAN checker tests only the general shape and check digits.
6. **Non-euro SEPA and the SEPA Regulation text.** Not read.
7. **Specialist reading.** A payments professional has not gone over the text.

If a bank notice or a Swift document settles one of these points, tell us through the [Contact](https://swiftcodelookup.com/contact/) page.

## Further reading, 26 October 2026

- [EUR-Lex, Regulation (EU) 2024/886 on instant credit transfers in euro](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32024R0886), Article 5c inserted into Regulation (EU) No 260/2012: match, close match and no match results, the payer's right to authorise anyway, liability and the 9 October 2025 / 9 July 2027 dates. It replaces our earlier reading of the Commission's press page on this point.

- Bank pages read for the US codes: [Chase wire FAQ](https://www.chase.com/digital/wire-transfer/faqs), [Chase, SWIFT code vs routing number](https://www.chase.com/personal/banking/education/basics/swift-code-vs-routing-number), [Bank of America wires](https://info.bankofamerica.com/en/digital-banking/wire-transfers), [Wells Fargo routing](https://www.wellsfargo.com/help/routing-number/) and [wire FAQ](https://www.wellsfargo.com/help/online-banking/wires-faqs/), [PNC wire transfers](https://www.pnc.com/en/personal-banking/banking/services/wire-transfers.html), [USAA incoming international wire sheet](https://content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf), [BMO U.S. account guide](https://www.bmo.com/en-us/pdf/Essentials_Account_Guide.pdf), [U.S. Bank](https://www.usbank.com/customer-service/knowledge-base/KB0069429.html), [Capital One](https://www.capitalone.com/help-center/checking-savings/send-receive-wire-transfer/), [Navy Federal](https://www.navyfederal.org/services/transfers/wire-transfers.html).
- [Swift, free BIC search terms](https://www.swift.com/about-us/legal/online-services/free-bic-search-swiftcom).

## Further reading, 24 October 2026

- The batch checker uses the BIC format from SWIFT's policy and the IBAN modulo 97 test (ISO 13616, general knowledge of the standard, as on the IBAN page). The red-flag weights are our own.

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