Every bank applying to join the SWIFT organization must work out its own SWIFT address code in advance according to the unified principle of SWIFT organization, and it will take effect after being approved by SWIFT organization. Bank Identifier Code (BIC) consists of eight or eleven English letters or Arabic numerals that can be automatically interpreted by computer, and is used to clearly distinguish different financial institutions related to financial transactions in SWIFT messages. BIC with eleven digits or letters can be divided into four parts: bank code, country code, area code and branch code. Take China Bank Beijing Branch as an example, and its bank identification code is BKCHCNBJ300. Its meaning is BKCH (bank code), CN (country code), BJ (area code) and 300 (branch code).

(1) bank code: it consists of four English letters, and each bank has only one bank code, which is customized by itself, usually the initials of the bank, and is applicable to all its branches.

(2) Country code: consists of two English letters, which is used to distinguish the country and geographical area where users are located.

(3) Location code: It consists of two digits or two letters other than 0, 1 and is used to distinguish the geographical location of a country, such as time zone, province, state and city.

(4) Branch Code: It consists of three letters or numbers and is used to distinguish branches, organizations or departments of a country. If a bank's BIC has only eight digits and has no branch code, its initial value is set to "XXX". If you want to check the SWIFT code of the bank, you can call directly, but for those of us who make money online, it is more convenient to check online! You can log on to the website of the Society for Worldwide Interbank Telecommunications to check the SWIFT code of any bank.

Incidentally, in addition to the SWIFT code, there are routing numbers in the United States, also known as routing transit numbers or ABA numbers, which are financial institution identification codes proposed by ABA (American Bankers Association) under the supervision and assistance of the Federal Reserve. Many financial institutions have one, which is mainly used for route confirmation of bank-related transactions, transfers and clearing. , composed of 9 digits (not numbers! 8-bit content plus 1 check code). American checks we receive are usually printed with the bank's routing number in the lower left corner of the front.

How to find it: After entering the website, if you know the bank code (BIC) or institutional keywords, you can quickly find its information. For example, the key word of Bank of China is Bank of China. If you enter it, you can check the SWIFT codes of branches of Bank of China around the world, including the codes of Chinese mainland. As can be seen from the search results, the top 8 places of mainland branches are BKCHCNBJ. You can directly enter these 8 digits under BIC search to list the SWIFT codes of bank branches in China.

For example, I found that the SWIFT code of China Bank Hubei Branch is BKCHCNBJ600.