SWIFT/BIC code MBGHGHACXXX
MBGHGHACXXX belongs to Universal Merchant Bank Limited in Accra, Ghana.
Code details
| SWIFT/BIC code | MBGHGHACXXX |
|---|---|
| 8-character code | MBGHGHAC |
| Branch code | XXX |
| Bank | Universal Merchant Bank Limited |
| Branch | Head office |
| City | Accra |
| Country | Ghana |
The way the Universal Merchant Bank Limited SWIFT/BIC is structured
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- MBGH Bank code
- 4 letters that identify the bank.
- GH Country code
- 2 letters for the country (ISO 3166).
- AC Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Check before you send
- Ask the recipient which bank and branch the account is held at.
- Use the head office code (XXX) when no branch is specified.
- Make sure the country in the code matches the country of the account.
Frequently asked questions
Which bank uses BIC MBGHGHACXXX?
MBGHGHACXXX identifies the head office of Universal Merchant Bank Limited in Accra, Ghana. Use it when you send money to an account at Universal Merchant Bank Limited.
Does Universal Merchant Bank Limited have other SWIFT/BIC codes?
Yes – we list 4 SWIFT/BIC codes for Universal Merchant Bank Limited in Ghana. You can see them all on the bank page.
How long does a transfer to Universal Merchant Bank Limited take in Ghana?
An international SWIFT transfer typically takes 2–5 business days, depending on correspondent banks and time zones. Specialist transfer services are often quicker than a bank.
What does each part of MBGHGHACXXX mean?
MBGH is the institution code of Universal Merchant Bank Limited, GH is the ISO code of Ghana, AC is the code for the city or region and XXX marks the head office.
Which details do I need for a transfer to an account at Universal Merchant Bank Limited?
You need the SWIFT/BIC code MBGHGHACXXX, the account number or IBAN of the recipient, their full name and address. Ghana uses international SWIFT transfers, so the BIC is required.
What is the cheapest way to send money to Universal Merchant Bank Limited in Ghana?
Many banks add 1–3% to the exchange rate on top of a fee. Check what you receive in Ghana with specialist providers before you send.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.