Send global payments with the right SWIFT/BIC code 

Papaya Global supports SWIFT-based payments, helping you pay employees, contractors, and authorities with speed, accuracy, and compliance. 

Find a SWIFT code

Just fill in the country and account details below.

Check a SWIFT code

Enter a SWIFT/BIC to check it's correct and to find out which bank it belongs to.

Example of an SWIFT/BIC in India

IN

Country Code

IDIB

Bank Code

BB

Location code

BFT

Branch code

*Papaya Global IBAN/Swift calculator is provided to assist customers/prospects in generating their SWIFT numbers and is based on correct input of the National Sort Code and bank account details.
If incorrect details are supplied, the calculator will generate an incorrect SWIFT.
 Customers must ensure the details entered are correct and use this SWIFT generator at their own risk. Papaya Global accepts no responsibility or liability arising in respect to any IBAN/Swift
generated and used where the customer/prospects has provided incorrect details.

What is a SWIFT code?

A SWIFT code, also known as a BIC (Bank Identifier Code), is a unique ID that helps banks locate each other for international money transfers.

Think of it like a locator pin for a bank.

Whenever you send money oversea

Check SWIFT Code
IBAN number explained

What is a SWIFT number?

A SWIFT code is a unique identifier assigned to a bank or financial institution so it can send and receive international wire transfers. It tells the sending bank exactly where to deliver the funds—even across multiple currencies and jurisdictions.

You can usually find your bank’s SWIFT/BIC code:

  • On your bank statement
  • In your online banking portal
  • By contacting your bank directly
  • Or via an official bank directory or trusted SWIFT code checker

If a bank has multiple branches, each may have its own SWIFT code.

Check SWIFT Code
banks use SWIFT codes 

What does a SWIFT code look like?

Bank code —> 4 letters that identify the bank

Country code —> 2 letters based on ISO country codes

Location code —> 2 letters or numbers that reflect the city or region

Branch code —> 3 optional characters for a specific branch

Check SWIFT Code
What does a SWIFT code look like? 

SWIFT or IBAN: Do I need both?

IBAN

  • The recipient’s bank account
  • Sending funds to specific accounts
  • Mainly in Europe and select regions

SWIFT Code

  • The bank
  • Routing international payments
  • Most global transfers

If you’re sending international payments, you’ll likely need both the SWIFT code and the IBAN to complete the transfer.

Check IBAN
SWIFT or IBAN: 
Do I need both? 

How Papaya Global uses BIC/SWIFT payments

Papaya Global uses the SWIFT network to power fast, secure global payments across borders for the following types of payments:

Check SWIFT Code
How Papaya Global uses SWIFT payments

FAQ’s

Why banks use BIC/SWIFT codes

Every bank that’s connected to the SWIFT network has a unique code, usually 8 to 11 characters long. It tells the sending bank which financial institution will receive the money, and sometimes even which branch.

Do I need a SWIFT code to send money?

Yes, if you’re sending funds to a bank account in another country, you’ll likely need the recipient’s SWIFT code to complete the transfer. Without it, the transaction may be delayed, misrouted, or rejected altogether.

Some countries also require an IBAN (International Bank Account Number) alongside the SWIFT code to fully identify the recipient’s account.

If you’re using Papaya Global, we automatically handle SWIFT code validation behind the scenes—so you can send international payments without worrying about bank details.

Can I use a SWIFT code for domestic payments?

No. SWIFT codes are designed exclusively for international wire transfers. For domestic payments, banks typically use national systems like:

  • ACH or Fedwire in the U.S.
  • SEPA in the EU
  • BACS or Faster Payments in the UK

If you’re only transferring funds within one country, you won’t need a SWIFT code.

Where can I find a SWIFT code?

You can find a SWIFT code in several ways:

  • Check your bank statement – Most include the SWIFT/BIC alongside the account number.
  • Log in to online banking – Many banks display it in the account details section.
  • Visit the bank’s official website – Look for international wire instructions.
  • Ask your recipient – They should confirm their correct SWIFT code, especially if it’s for a specific branch.
  • Use a verified SWIFT code lookup tool – (like the one we’ll provide soon!)

Always double-check the SWIFT code with your recipient before sending any international payment to avoid errors or delays.