Bank of Baroda SWIFT/BIC code

BARBINBB – the SWIFT/BIC code of Bank of Baroda

Whether you are given BARBINBB or BARBINBBXXX, you are looking at the same address for Bank of Baroda in India. The code has a single purpose: it makes sure that an international payment reaches the right bank. It comes up mainly when dealing with payments that cross a border and payments in foreign currencies.

Further down you will find the practical side: receiving money at Bank of Baroda, paying someone in another country and how to check the code before you confirm a payment. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number .

How to check BARBINBB before you pay

The most reliable place for the correct BIC is a document from the bank itself, such as a statement or the account details in online banking. Compare it with BARBINBB on this page.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees along the way. Do not forget the account number: a mistake there is harder to correct than a wrong BIC.

An automatic check by your bank only confirms that the code exists, not that it is the right account. Where available, a payee name check before sending adds extra certainty. When you pay someone new, some people start with a small test amount.

What a transfer from Bank of Baroda abroad really costs

When you send money to another country from Bank of Baroda, the visible fee is rarely all of what you pay. Besides a fixed fee, banks in between can take a cut, and if currencies are converted, the bank usually applies a rate below the real market rate.

Banks rarely list the margin on the rate as a cost, but you pay it all the same. A simple test: put the rate you get next to the mid-market rate and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate with clearer fees. Next time you send money, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Bank of Baroda as the source of the money, while a cheaper service handles the conversion.

8 or 11 characters: BARBINBB versus BARBINBBXXX

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. Together, these eight characters form BARBINBB, the code most people search for.

Many banks and apps work with both lengths. If yours requires eleven characters, enter BARBINBBXXX; if it wants eight, use BARBINBB.

Leave out spaces or dashes when you type BARBINBB; the code is always written in one block. Copying the code beats retyping it.

Getting paid from abroad into a Bank of Baroda account

A sender in another country needs a few details from you, and missing ones are a common cause of delays. What they need is: the account holder’s name, IBAN or account number, BARBINBBXXX and, for some countries, your postal address.

Their bank may also ask for the address of your bank; the head office in Mumbai is usually fine. Double-check every detail before you send them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of Bank of Baroda. For business payments, it is common to state who bears the costs.

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 valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify a change of bank details through a phone call. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If a payment was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams also target the receiver: someone claims to have sent more than agreed and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing.

The Indian Rupee and what conversion costs you

The currency in India is the Indian Rupee (INR). If you send another currency gets converted somewhere along the way. There is rarely a separate line for the conversion; it is built into the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. Compare what INR the recipient gets via different providers before choosing one.

Rates for INR move all the time. With bigger transfers, even small gap in the rate adds up quickly.

A note on our data

We collect bank codes from public sources and update our list from time to time. Still, banks merge or change codes and our data may lag behind. Figures such as the number of codes come from our directory and may differ from what Bank of Baroda publishes.

Use this page as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay is a comparison service and not part of Bank of Baroda. Spotted outdated information? Tell us through the contact page.

When will the money arrive at Bank of Baroda?

An international transfer typically needs 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 start the next business day. Occasionally a bank asks about the purpose of a payment.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide tracking in their app so you can see how far the payment is.

The bank that sent the money can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can look at your statements for a slightly lower amount because fees can reduce the amount.

Head office or branch code at Bank of Baroda?

With 159 codes in 80 cities, Bank of Baroda is one of the banks that register separate codes for branches and departments. The main code is BARBINBBXXX.

Unless the recipient tells you otherwise, use BARBINBBXXX. A branch code only makes sense when the account holder specifically mentions it, which is more common for business accounts and trade services.

Not sure which code to use? Check with the recipient or the bank itself. Codes are sometimes changed or retired when banks reorganise.