Dhanlaxmi Bank Limited SWIFT/BIC code

Dhanlaxmi Bank Limited SWIFT code: DLXBINBB

The short code DLXBINBB and the full code DLXBINBBXXX refer to one and the same institution: Dhanlaxmi Bank Limited in Thrissur, India. A SWIFT code shows the banks handling a payment which institution should receive the money. In practice you usually come across the code on international invoices, in payment forms and on the account details of Dhanlaxmi Bank Limited customers.

On this page you can read what the code means, when it matters and what else a transfer to or from Dhanlaxmi Bank Limited requires. A SWIFT code identifies a bank or branch, never a specific account.

Sending money abroad from Dhanlaxmi Bank Limited

What you pay for an international transfer has several parts – not just the fee on your screen. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the exchange rate markup when the money is converted.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Check the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services frequently use rates closer to the mid-market rate and lower fees. Next time you send money, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. You can always keep your account at Dhanlaxmi Bank Limited; only the conversion and sending happen elsewhere.

Scams that use SWIFT codes

Scammers often use fake invoices containing new bank details, sometimes in an email that looks completely genuine. That DLXBINBB is a real code is no guarantee that the account is genuine; criminals use the codes of real banks too.

Do not rely on a phone number from the same email that contains the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and have them start a recall and report the fraud.

People receiving money are targeted too: one known trick is an overpayment followed by a request to send back the difference abroad. A screenshot of a transfer is no proof.

How long does an international transfer to Dhanlaxmi Bank Limited take?

There is no single delivery time: some land within a day while others need several business days. Bank holidays in the sending or receiving country add extra days to the journey. Occasionally a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the tracking status or the UETR; with that reference banks can see where the payment is. Specialist transfer services often provide tracking in their app so you can see how far the money has got.

The bank that sent the money is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Dhanlaxmi Bank Limited: head office code versus branch codes

Our database contains 10 SWIFT/BIC codes for Dhanlaxmi Bank Limited in 10 cities. Besides the head office code DLXBINBBXXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use DLXBINBBXXX. When you receive a branch code, use it as it is instead of replacing it for the head office code.

The safest route is to take the code directly from the recipient’s statement. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

DLXBINBB or DLXBINBBXXX – which one to use?

The structure of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code. That gives you DLXBINBB for Dhanlaxmi Bank Limited.

XXX at the end of DLXBINBBXXX does not stand for a placeholder or an error: it indicates the head office of Dhanlaxmi Bank Limited. Certain payment forms insist on 11 characters, and then you simply add XXX behind DLXBINBB.

In practice the code is written in capitals, without spaces or dashes. Copying the code beats retyping it, because one wrong letter changes the bank.

Is DLXBINBB still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details. When the code you were given differs from DLXBINBB or DLXBINBBXXX, stop and ask: check with the recipient or with Dhanlaxmi Bank Limited directly.

Mistakes in the SWIFT code tend to be costly rather than fatal. Remember the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app only tells you that the IBAN is valid, not that it is the right account. Where available, a name check before sending gives extra certainty. When you pay someone new, some people start with a small amount first.

What to give a sender who pays you at Dhanlaxmi Bank Limited

To receive a transfer from abroad into your account at Dhanlaxmi Bank Limited, the sender needs not just the SWIFT code. Give them your name as the bank knows it, the IBAN or account number, SWIFT code DLXBINBBXXX and your address.

The sender’s bank might request the bank address of Dhanlaxmi Bank Limited. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Fees for incoming transfers vary per bank. On invoices, you can state who bears the costs, so that nobody is left short.

Sending INR to Dhanlaxmi Bank Limited

The national currency in India is the Indian Rupee (INR). Money sent in a different currency will be converted into INR on its way to Dhanlaxmi Bank Limited – and the bank that does it picks the rate. Every conversion eats into the amount, even when no fee is shown.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Check what INR arrives via several services before choosing one.

Rates for INR move during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate add up over a year.

About this information

This directory draws on publicly available sources and we update it periodically. Still, banks merge, rename themselves or change codes. The figures we show are based on our own data, not official figures from Dhanlaxmi Bank Limited.

Treat this page as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Dhanlaxmi Bank Limited, we only compare transfer services. Spotted outdated information? Tell us through the contact page so we can correct it.