State Bank of India, Obu SWIFT/BIC code

State Bank of India, Obu SWIFT code: SBINBHBM

The 8-character code SBINBHBM and the full code SBINBHBMXXX identify the same bank: State Bank of India, Obu. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. In daily life you usually come across it on international invoices, in payment forms and in the bank details of State Bank of India, Obu customers.

On this page we explain what the code means, when it matters and what else a transfer to or from State Bank of India, Obu requires. The BIC names an institution, never a single account.

How long does an international transfer to State Bank of India, Obu take?

An international transfer typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or just before weekends and holidays usually go out the next business day. Occasionally a bank asks what the payment is for.

If a transfer seems delayed, contact the sending bank about the status or the UETR. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation.

How up to date is this code?

We gather bank codes from publicly available data and check our list regularly. Even so, banks merge or change codes, so information can be out of date. Figures such as the number of codes come from our directory.

See our directory on this page as a handy check. GoldexPay is an independent comparison service for money transfers and not part of State Bank of India, Obu. Should you notice a mistake, we welcome a message.

Which of the 2 codes of State Bank of India, Obu do you need?

Our directory lists 2 SWIFT/BIC codes for State Bank of India, Obu, spread over 1 cities. Besides the head office code SBINBHBMXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code SBINBHBMXXX is the right choice. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Not sure which code applies? Check with the recipient or the bank itself. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

8 or 11 characters: SBINBHBM versus SBINBHBMXXX

Every SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. For State Bank of India, Obu, that core is SBINBHBM.

XXX at the end of SBINBHBMXXX is not a placeholder or a mistake: it stands for the head office of State Bank of India, Obu. Certain payment forms insist on 11 characters, and then you can enter XXX behind SBINBHBM.

As a rule the code is written in capitals and without spaces. Copying the code beats retyping it.

What a transfer from State Bank of India, Obu abroad really costs

An international bank payment can cost rather more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers frequently use a rate near the mid-market rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. You can always keep your account at State Bank of India, Obu.

Getting paid from abroad into a State Bank of India, Obu account

A sender in another country needs a few details about your account, and missing ones are a common cause of delays. The basics are: the account holder’s name, IBAN or account number, SBINBHBMXXX and often your home address.

The sender’s bank may request the address of your bank, in which case the Manama head office is the usual answer. Check the details before you send them, because the sender’s bank usually copies them as is.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank – the price list of State Bank of India, Obu tells you what applies. On invoices, you can state how the fees are split.

Verifying the SWIFT code of State Bank of India, Obu

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have differs from SBINBHBM or SBINBHBMXXX, do not guess.

Mistakes in the BIC tend to be annoying more than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is a bigger problem because it can reach the wrong person.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check before sending gives extra certainty. A small test payment can be a sensible step for large sums despite the extra fee.

Protect yourself against fake payment requests

Stay wary when a contact suddenly asks you to send money to another account. That SBINBHBM is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Before paying, verify changed bank details through a phone call. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment and report the fraud.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference to another account. Do not act before the money has really arrived and check with State Bank of India, Obu if anything seems off.