Icici Bank LTD SWIFT/BIC code

What ICICBHBM means for a payment to Icici Bank LTD

ICICBHBM and ICICBHBMXXX are two ways of writing the same SWIFT/BIC code, and both point to Icici Bank LTD in Manama. The code has a single purpose: it ensures that an international payment reaches the right bank. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details that Icici Bank LTD provides.

This page is meant to help anyone who receives money at an account at Icici Bank LTD. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

A note on our data

Our SWIFT/BIC directory is compiled from publicly available sources and we update it periodically. Even so, banks merge or change codes. The figures on this page reflect what is in our directory and not on information from Icici Bank LTD itself.

See the information on this page as a helpful check, and let the details from the recipient or Icici Bank LTD have the final say. GoldexPay is an independent comparison service and not part of Icici Bank LTD. Found outdated information? Tell us via our contact form.

Is ICICBHBM still correct? How to check

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given does not match ICICBHBM or ICICBHBMXXX, do not guess.

An incorrect BIC may lead to delays, a returned payment or extra fees for investigation. An error in the account number is a bigger problem because it can reach the wrong person, so check that just as carefully.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a payee name check before sending adds extra certainty. For a first payment, many people start with a small test amount before sending the rest.

Sending money abroad from Icici Bank LTD

A bank transfer abroad costs more than the fee suggests. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: the bank converts at a rate that includes a margin. Check their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer. GoldexPay lists these services next to each other, showing the amount the recipient gets for the same amount sent. You can still use your account at Icici Bank LTD to fund the transfer, while a cheaper service handles the conversion.

Choosing between the 6 SWIFT codes of Icici Bank LTD

With 6 codes in 1 cities, Icici Bank LTD belongs to the banks that register individual codes for branches and departments. The head office code is ICICBHBMXXX.

Unless the recipient tells you otherwise, use ICICBHBMXXX. Only use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest route is to copy the code straight from the recipient’s statement. Codes can change over time.

Why Icici Bank LTD has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. Together, those parts form ICICBHBM – the version you usually see online.

XXX at the end of ICICBHBMXXX is not a missing value or a mistake: it indicates the main office of Icici Bank LTD. Some forms ask for 11 characters, in which case you can enter XXX behind ICICBHBM.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Watch for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a message claiming that a contact now has new bank details and asking you to pay there from now on. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Before paying, confirm a change of bank details through a phone call, using a number you already had. Urgency and secrecy are warning signs – a real supplier can wait a day. When a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference to another account. Wait until the money has really arrived – ask Icici Bank LTD if something looks wrong.

Transfer times and tracking a payment to Icici Bank LTD

There is no fixed delivery time: many land the same day or the next. Weekends and public holidays in either country can add extra days. Compliance checks by one of the banks may also add a delay, regardless of the details.

If a transfer is late, ask your bank for the tracking status or the UETR so they can trace it along the chain. Specialist transfer services often provide a status in their app so you can see where the money is.

A missing payment has to be traced from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation with the date and reference.

What to give a sender who pays you at Icici Bank LTD

To receive an international payment at Icici Bank LTD, the person paying you has to have more than the SWIFT code. What they need is: the account holder’s name, account number or IBAN, ICICBHBMXXX or ICICBHBM and often your postal address.

Some banks want the address of Icici Bank LTD. A typo in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

Money from abroad does not always land for the full amount. Fees for incoming transfers vary from bank to bank. On invoices, it is common to state who bears the costs.