Habib Bank LTD. SWIFT/BIC code

What HABBBHBM means for a payment to Habib Bank LTD.

If an invoice shows HABBBHBM or HABBBHBMXXX, it is the same address for Habib Bank LTD. in Bahrain. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. In daily life you usually see the code on international invoices, in your banking app and on the account details of Habib Bank LTD. customers.

We wrote this page to help anyone who pays into an account at Habib Bank LTD. and wants to get the details right. A SWIFT code identifies an institution, not a single account, which is why you always need the account number too.

International transfers from Habib Bank LTD.: the real cost

When you transfer money abroad from Habib Bank LTD., the fee you see is rarely all of what you pay. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: many banks convert using an exchange rate that includes a margin. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services frequently use a rate near the mid-market rate and lower fees. Next time you send money, take a minute comparing the total cost on GoldexPay. You can always keep your account at Habib Bank LTD. to fund the transfer, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

A common scam goes like this: you receive a message saying that a company has new bank details and asking you to pay there from now on. A real SWIFT code tells you nothing about whether the request is genuine.

Verify new bank details via a different channel. Urgency and requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Already paid? Call your bank straight away and ask them to start a recall and report the fraud.

Fraud can also work the other way. Someone claims to have sent more than agreed and asks you to return the extra. A screenshot of a transfer proves nothing – check your own account.

Receiving money from abroad at Habib Bank LTD.

Someone abroad who wants to pay you needs several details about your account. The basics are: your name, account number or IBAN, HABBBHBMXXX and in many cases your postal address.

Their bank may also ask for the address of your bank. A typo in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank – the price list of Habib Bank LTD. tells you what applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

Tracking a transfer to or from Habib Bank LTD.

An international transfer typically takes one to a few business days. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Occasionally a bank asks what the payment is for.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online showing where the money has got.

If the money does not arrive after a few business days, the person who paid needs to contact their own bank rather than Habib Bank LTD.. On the receiving end, it helps to look at your account to see a partial amount.

Where our SWIFT data comes from

The directory on GoldexPay is based on publicly available sources. It can happen that information on this page is out of date, for example after a merger. Counts and locations are from our own dataset and are not confirmed by Habib Bank LTD..

Treat this page as a reference, rather than as the last word. We are an independent comparison service and not part of Habib Bank LTD.. Found outdated information? Let us know via our contact form and we will look into it.

HABBBHBM or HABBBHBMXXX – which one to use?

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. Together, these eight characters make up HABBBHBM – the version you usually see online.

Most payment forms work with either length. If yours asks for eleven characters, use HABBBHBMXXX; if it wants eight, use HABBBHBM.

Do not add spaces or dashes when you type HABBBHBM or HABBBHBMXXX. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Choosing between the 2 SWIFT codes of Habib Bank LTD.

We have 2 SWIFT/BIC codes for Habib Bank LTD., spread over 1 locations. Besides the head office code HABBBHBMXXX, there are codes for regional offices and specialised units.

In most cases you do not need to pick a branch: transfers sent to HABBBHBMXXX reach Habib Bank LTD. correctly. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

Not sure which code applies? Check with the recipient or the bank itself. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

Verifying the SWIFT code of Habib Bank LTD.

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with HABBBHBM here; if they differ, ask before you pay.

Errors in the BIC tend to be annoying rather than fatal. Remember the account number: a mistake there can be more difficult to correct than a wrong BIC.

A format check in your banking app merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Some banks now compare the name against the account; take any warning seriously. When you pay someone new, some people start with a small test amount and wait for confirmation.