State Bank of India SWIFT/BIC code

SWIFT/BIC code of State Bank of India

SBINBDDH and SBINBDDHXXX are two ways of writing the same bank identifier, and both lead to State Bank of India in Dhaka. A BIC has a single purpose: it ensures that a cross-border transfer reaches the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

Below you will find the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you confirm a payment. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

State Bank of India: head office code versus branch codes

With 8 codes, State Bank of India belongs to the banks that register separate codes for parts of the organisation and departments. The main code is SBINBDDHXXX.

Usually there is no need to look up a branch: payments sent to SBINBDDHXXX reach State Bank of India correctly. When you receive a branch code, use it as it is rather than replacing it with the head office code.

The safest approach is to take the code directly from the account holder’s invoice. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Transfer times and tracking a payment to State Bank of India

There is no fixed answer for international payments: many land the same day or the next while others need several business days. Bank holidays in the sending or receiving country add a day or more to the journey. Sometimes a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact your bank for the tracking status and the transaction reference so they can trace it along the chain. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to look at your account for a partial amount.

How up to date is this code?

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory and may differ from what State Bank of India publishes.

Treat this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is independent of State Bank of India; we are a comparison site for money transfers. If you notice a mistake, we welcome a message via the contact page.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a message saying that a company has a new bank account and that the next payment should go there. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed payment details through a different channel, not by replying to the message. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from straight away and ask them to start a recall.

Fraud also work the other way. Someone sends more than agreed and asks you to refund the difference. Wait until the money has really arrived.

Is SBINBDDH still correct? How to check

The most reliable place for the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. Check it against SBINBDDH on this page and ask if anything does not match.

If the code is wrong, the payment may get stuck, be returned or cost extra. Do not forget the account number: an error there is more difficult to correct than a wrong code.

An automatic check in your banking app only confirms that the IBAN exists, not that it is the right account. Some banks now compare the name against the account – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount and wait for confirmation.

Receiving money from abroad at State Bank of India

A sender in another country needs a few details about your account. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code SBINBDDHXXX and sometimes your postal address.

Their bank may request the address of your bank. A typo in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees, especially for larger amounts.

What a transfer from State Bank of India abroad really costs

When you send money to another country via State Bank of India, the fee you see is rarely all of what you pay. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Many banks do not list the margin on the rate separately, but you pay it all the same. Check their rate against the mid-market rate.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. Next time you send money, it is worth comparing what arrives on GoldexPay. Choosing a specialist does not mean closing your account at State Bank of India.

Why State Bank of India has an 8- and an 11-character code

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code. The result is SBINBDDH, the short form of the code.

XXX at the end of SBINBDDHXXX does not stand for a placeholder or a mistake: it indicates the head office of State Bank of India. Some forms ask for 11 characters, and then you can add XXX after SBINBDDH.

Enter the code as one block, in upper case and without spaces, exactly as shown here. A single letter may route a payment to another bank, so check it twice.