Swift codes and IBANs are two essential banking codes that you will need for international money transfers. The SWIFT code, standing for Society for Worldwide Interbank Financial Telecommunication, is an internationally recognized code for identifying banks and financial institutions worldwide. Meanwhile, the IBAN, or International Bank Account Number, is a standardized way of identifying an individual’s bank account number in international transactions across European banks. Combining the SWIFT code and the IBAN ensures that your international transfer reaches the desired bank account destination. Thus, in this article, we will provide you with steps on how to find the SWIFT code with the IBAN.

Step 1: Know the country you’ll be transferring money to.

The first step when finding the SWIFT code and IBAN is to identify the country where the recipient’s bank is located. This information is essential because the SWIFT code and IBAN requirements vary depending on the recipient’s bank location. Check whether the recipient bank is located in the European Union (EU) or not, as the IBAN format is mandatory for all EU member banks.

Step 2: Search for the recipient’s bank name and branch locations.

After you have identified the country, search for the name of the recipient’s bank and branch location, as these two pieces of information are required to obtain the SWIFT code and IBAN. You can check the bank’s website or use Google to search for the bank’s website, as it often shows the bank’s SWIFT code and IBAN.

Step 3: Check the bank’s website.

Once you have found the bank’s website, head to the ‘Contact Us’ or ‘Support’ page to get more information about the bank’s SWIFT code and IBAN. The SWIFT code is usually listed under a section labeled ‘SWIFT code’ or ‘BIC code’ on the bank’s website. If the bank’s website does not show the SWIFT code, you can also check the SWIFT code directory online or contact the bank’s customer service center to obtain the code.

On the other hand, the IBAN can also be easily found on the bank’s website or by contacting customer service. Since the IBAN is typically used by EU member banks, you can also check the EU’s bank registry website to ensure that the IBAN is correct.

Step 4: Use online tools.

Another way to find the SWIFT code and IBAN is by using online tools. Several websites, such as TransferWise, provide an IBAN calculator that can generate the IBAN for you by entering the recipient’s bank account information.

Step 5: Verify the SWIFT and IBAN codes.

Once you have found the SWIFT code and IBAN, it is crucial to check them thoroughly before initiating the transfer. Double-check if the information you have obtained is accurate, as incorrect codes can result in your money transfer being delayed or redirected to the wrong bank account.

In conclusion, finding the SWIFT code and IBAN is crucial in ensuring that your international money transfer is successful. With the help of online resources and bank customer service, obtaining the correct codes can be done relatively easily. Keep in mind to double-check the codes before initiating the transfer to avoid any unnecessary delays.

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