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Finding Tools: bank-transfer-code-advisor
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Select your sending and receiving countries to instantly see which bank codes are required — IBAN, SWIFT/BIC, Routing Numbers, Sort Codes, BLZ, and more.
Select both countries to see required codes
Pick a sending country and a receiving country above and the advisor will instantly show which bank codes you need.
Generally no. Domestic transfers within the same country use local identifiers — Sort Code (UK), ABA Routing Number (USA), BLZ (Germany), BSB (Australia), or IFSC (India). A SWIFT/BIC code is required only for international transfers.
An IBAN is required when the receiving country uses the IBAN system — primarily European, Middle Eastern, and North African countries. Non-IBAN countries like the USA, Canada, and Australia use account numbers + local routing codes instead.
SEPA (Single Euro Payments Area) covers 36 European countries. Transfers between SEPA countries in EUR are processed like domestic payments using only IBAN + BIC, with consistent low fees and 1-day settlement.
For international transfers to the USA you need: the bank's SWIFT/BIC code, the recipient's 9-digit ABA Routing Number, and their bank account number. The USA does not use IBAN.
For international transfers to the UK: recipient's IBAN (which already encodes the Sort Code and account number) + the bank's SWIFT/BIC. For domestic UK transfers: 6-digit Sort Code + account number only.
India uses the IFSC (Indian Financial System Code) — an 11-character code identifying the bank branch. For international transfers to India you also need the bank's SWIFT/BIC. India does not use IBAN.
No. Australia uses BSB (Bank State Branch) codes — 6-digit numbers identifying the bank and branch. International transfers to Australia require a SWIFT/BIC code plus the BSB and account number.
No. An IBAN is a standardized international wrapper that includes the country code, check digits, and your existing domestic bank account details (including any local routing code). The IBAN is derived from, not a replacement for, your account number.