Ghazanfar Bank SWIFT/BIC code

What GHBKAFKA means for a payment to Ghazanfar Bank

Whether a recipient gives you GHBKAFKA or GHBKAFKAXXX, you are looking at the same identifier for Ghazanfar Bank in Afghanistan. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right bank. In daily life you usually come across it on international invoices, in your banking app and on the account details of Ghazanfar Bank customers.

On this page you can read what the code is put together, when you need it and what else a transfer to or from Ghazanfar Bank requires. A SWIFT code names a bank or branch, never a single account.

About this information

Our SWIFT/BIC directory draws on publicly available sources and we update it periodically. Still, banks merge or change codes, so information can be out of date. Figures such as the number of codes come from our own dataset and may differ from what Ghazanfar Bank publishes.

For a payment that matters, confirm the code with Ghazanfar Bank or the recipient. GoldexPay is an independent comparison site and not part of Ghazanfar Bank. Should you notice something that is out of date, we welcome a short note.

What the XXX in GHBKAFKAXXX means

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. Combined, these eight characters form GHBKAFKA.

XXX at the end of GHBKAFKAXXX is not a missing value or an error: it stands for the main office of Ghazanfar Bank. Some banking apps ask for 11 characters, and then you simply enter XXX after GHBKAFKA.

Type the code in one piece, in upper case and without separators, exactly as shown here. Pasting the code beats typing it by hand.

Changed bank details? Be careful

Fraudsters regularly use payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that GHBKAFKA exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Before paying, verify changed bank details by phone. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. Already paid? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Scams can also work the other way: someone claims to have sent too much and asks you to refund the extra to a new account. Do not act before the money has really arrived.

Getting paid from abroad into a Ghazanfar Bank account

When you are waiting for a payment from another country, give the sender everything they need in one go. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC GHBKAFKAXXX (or GHBKAFKA) and, often, your address.

Some sending banks also ask for the bank’s address in Kabul, so keep it at hand. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always land for the full amount. Fees for incoming transfers differ per bank – the price list of Ghazanfar Bank tells you what applies. On invoices, it is common to state who bears the costs to avoid a shortfall.

Before you send: check the Ghazanfar Bank code

Ask the recipient to send you their account details directly from their banking app. Check that code against GHBKAFKA here.

A wrong SWIFT code can cause delays, a returned payment or extra fees. A mistake in the account number can be more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the structure of an IBAN. If your bank offers it, a payee name check on the recipient gives extra certainty. When you pay someone new, some people start with a small test amount and wait for confirmation.

Ghazanfar Bank: head office code versus branch codes

With 2 codes in 1 locations, Ghazanfar Bank belongs to the banks that use individual codes for parts of the organisation. The head office code is GHBKAFKAXXX.

If nobody asks you for a branch code, use GHBKAFKAXXX. When you receive a branch code, use it as it is instead of swapping it for the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are more likely to change than GHBKAFKAXXX when a bank merges or closes offices.

Tracking a transfer to or from Ghazanfar Bank

There is no fixed answer: many arrive within a day. Bank holidays in either country add a day or more. Sometimes a bank wants to know what the payment is for, which can hold things up.

When a payment takes longer than expected, ask the sending bank for the status so they can trace it along the chain. Specialist transfer services usually show tracking in their app showing how far the money has got.

A delayed transfer is traced from the sending side. Ask the sender for a copy of the payment confirmation.

Paying someone abroad from your Ghazanfar Bank account

What you pay for an international transfer is made up of more than one component. On top of a fixed fee, banks in between may take a cut, and when currencies are converted, the bank usually uses a rate below the actual market rate.

Banks rarely show their exchange rate markup as a cost, but you pay it all the same. An easy check: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often use a rate near the mid-market rate. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets. Using a transfer service does not mean closing your account at Ghazanfar Bank.