什么是 SWIFT/BIC 代码?
SWIFT 代码(也称为 BIC)是一种国际银行识别码,用于确保您的资金在跨境汇款或收款时到达正确收款机构。它能够告知银行具体哪家金融机构参与了转账,有助于确保国际付款的安全、准确交付。

Why do I need a SWIFT/BIC code?
You’ll typically need a SWIFT/BIC code when sending or receiving international transfers, as it helps identify the correct financial institution and route the payment securely. However, not all international transfers require one—some countries or payment methods may use alternatives like IBANs, routing numbers, or national clearing codes.

Does my bank have more than one SWIFT code?
Many banks have multiple SWIFT codes, especially major banks with branches in different cities. Some banks use a single global SWIFT code, while others assign unique codes to specific branches to help route international payments more accurately.
Frequently asked questions