SWIFT Code Guide

Change log

What each part of a BIC (SWIFT) code means, from SWIFT's own policy document, with a private checker for the format. No ads.

Important changes are listed here with their date.

Date What changed
2026-10-24 Initial launch.
26.10.2026 Corrected: verification of payee now follows Regulation (EU) 2024/886 (EUR-Lex): three results (match, close match, no match) and the payer can still authorise the payment after a warning; liability and the 9 July 2027 date for non-euro states added.
26.10.2026 New: SWIFT codes of the big US banks (Chase, Bank of America, Wells Fargo, PNC, USAA, BMO, U.S. Bank, Capital One, Navy Federal), each read on the bank's own page; separate pages for Chase, Bank of America, Wells Fargo and USAA; SWIFT code vs routing number; receiving an international wire in the US; where to look a code up (Swift's free BIC search).