SWIFT/BIC codes in Eswatini

Eswatini: banks and their SWIFT/BIC codes

On this page you find codes for 7 banks in Eswatini, 7 codes in all. You need a SWIFT/BIC code mostly for payments across borders and for payments in a foreign currency.

Search for the bank you need below and click through to see all codes we have and the details a transfer needs. Further down we explain how a code from Eswatini is put together, how to send money to Eswatini without overpaying and what to check before you pay.

Most SWIFT codes in Eswatini: Central Bank of Swaziland

Of all banks we list for Eswatini, Central Bank of Swaziland is listed with the most SWIFT codes. Its head office code is SWAZSZMBXXX – the code most transfers need.

Banks differ in whether they register branch codes – a high count is not a measure of size. Paying someone at Central Bank of Swaziland? Go with SWAZSZMBXXX except when a specific branch code is requested.

Tracking a payment to Eswatini

How quickly a payment reaches Eswatini depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made late in the day or on weekends and holidays often start the next business day.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR, which the sending bank can use to trace it. Specialist transfer services usually show tracking online, which makes it easier to see where the money is.

The cheapest way to send money to Eswatini

An international bank payment to Eswatini often costs more than the fee suggests. There is a transfer fee, possibly fees from correspondent banks along the way and, most importantly, the exchange rate markup.

That exchange rate margin tends to be the biggest cost item. An easy check: set the offered rate against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer. Before you send money to Eswatini, take a minute to compare the total cost via GoldexPay rather than accepting the first rate you see.

About our data and how to check a code

The most reliable place for the correct BIC is a document from the bank itself. An incorrect BIC may lead to delays, a returned payment or extra fees, so compare it with the list on this page.

This list is based on public sources. Banks merge, close branches and retire codes, and no directory catches every change immediately. Before any payment of any size, check the code with the recipient’s bank. GoldexPay is not a bank and is not affiliated with the banks listed.

Fraudsters often use fake invoices with new bank details from what looks like a familiar address. Always verify a change of bank details by phone on a number you know.

Recognising a SWIFT code from Eswatini

SWIFT/BIC codes follow the same format worldwide: 8 characters plus an optional three-character extension. First comes a four-letter bank code, followed by two letters for the country and two characters for the location.

For banks in Eswatini, letters five and six show the two-letter ISO code of Eswatini, which makes these codes easy to recognise. When those two letters point to another country, you are looking at a bank in another country – worth double-checking.

The last three characters, if present, stand for a specific branch; XXX means the head office. For most transfers the head office code is what you need.

International payments to Eswatini and the BIC

For Eswatini you will usually need a SWIFT/BIC code, because the country is outside the SEPA area. Without the BIC, most banks cannot process the payment at all.

In some countries, the account is identified by a local account number instead of an IBAN, sometimes with an extra bank or branch code. Ask the recipient which details their bank requires for payments from abroad – many banks give clear instructions for this. Before it arrives, a transfer can go through intermediary banks that take a fee.

Getting paid from abroad into an account in Eswatini

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. That means: your name as your bank knows it, your account number or IBAN, the SWIFT/BIC code of your bank and, often, your postal address.

Look up the bank in the list above and compare the code with your own bank details, but take the code from your own bank details when in doubt. Certain banks may also want the name and address of your bank; it does no harm to include it.

What lands in your account is often lower than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees, especially for larger amounts.