How to Validate a SWIFT Code Online (UK & International Guide)
Need to check if a SWIFT/BIC code is valid before making an international payment?
In this guide, we’ll explain how to validate, check, and verify a SWIFT code using our free online tool — and why it matters.
What Is a SWIFT Code and Why Validation Matters?
A SWIFT code (also known as a BIC) is an international identifier used by banks to route payments between countries. It tells the sending bank where the money should go, down to the bank and branch level.
A typical SWIFT code has either 8 or 11 characters and includes:
- Bank Code – 4 letters identifying the bank
- Country Code – 2 letters for the bank’s country
- Location Code – 2 letters or numbers for the city/region
- Branch Code – 3 letters or numbers (optional)
Tip: Mistakes in the SWIFT code can cause delays, fees, or even failed transfers.
How to Check If a SWIFT Code Is Valid
The best way to confirm a SWIFT code is to use an online tool like our SWIFT Code Checker. It’s quick, free, and doesn’t require registration.
How to Validate a SWIFT Code:
- Visit our SWIFT Code Checker Tool.
- Enter the full 8–11 character SWIFT/BIC code.
- Click Check SWIFT Code.
- The tool will confirm if the code is valid and correctly formatted.
- You’ll also see the bank name, country, and branch.
Validating vs Verifying a SWIFT Code
Many people ask if validating a SWIFT code is the same as verifying it. Here’s the difference:
- ✅ Validation checks the format of the code. It confirms whether it’s structured correctly.
- 🔍 Verification goes further. It means checking with the recipient or their bank that the code belongs to them.
Our tool validates the format, but you should still confirm with the recipient before sending funds.
Common SWIFT Code Mistakes to Avoid
Before you use any SWIFT/BIC code, be aware of common issues:
- ❌ Typing errors or incorrect digits
- ❌ Copying from printed invoices with formatting errors
- ❌ Using a partial code (e.g. 8 characters instead of 11, when the full code is needed)
Always double-check the full 11-character code if possible, especially for branch-level transfers.
Frequently Asked Questions
What is a valid SWIFT code format?
A valid SWIFT code is 8 or 11 characters long and follows the standard structure: Bank + Country + Location + Branch.
Can I use this tool for UK banks?
Yes. You can use it to check SWIFT codes for any bank, including UK-based ones.
Is a SWIFT code the same as an IBAN?
No. A SWIFT code identifies a bank, while an IBAN identifies a specific bank account.
What happens if I use the wrong SWIFT code?
The transfer may be delayed, rejected, or sent to the wrong bank. Always verify the code with the recipient.
Try Our SWIFT Code Finder Tool
If you’re unsure what SWIFT code you need, use our SWIFT Code Checker Tool. It acts as a:
- ✅ SWIFT code validator
- 🔍 SWIFT code finder
- ⚙️ SWIFT code verifier
It’s designed for individuals and international businesses sending money across borders.
Need Specific Bank SWIFT Codes?
If you’re looking for more detailed information:
- Read our guide on the NatWest SWIFT code
- Learn more about the Barclays SWIFT code
These link to individual bank guides, while this post remains focused on general code validation.
Summary
Validating a SWIFT code is a simple but important step before making a cross-border payment. Use our tool to:
- Confirm the SWIFT code is valid and properly formatted
- Avoid failed transfers or delays
- Get peace of mind before sending money abroad
Use the SWIFT Code Checker now to validate any BIC or SWIFT code in seconds.