Oriental Bank of Commerce SWIFT/BIC code

SWIFT/BIC code of Oriental Bank of Commerce

ORBCINBB and ORBCINBBXXX are the short and the long form of the same SWIFT/BIC code, and both point to Oriental Bank of Commerce in Mumbai. A SWIFT code shows every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. It comes up mostly when dealing with transfers between countries or a currency.

We wrote this page to help people who receives money at an account at Oriental Bank of Commerce. A SWIFT code names a bank or branch, never a single account.

What a transfer from Oriental Bank of Commerce abroad really costs

When you transfer money abroad via Oriental Bank of Commerce, the fee you see is rarely all of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

Many banks rarely show the margin on the rate as a cost – you only notice it if you compare. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives across services, which makes the cheapest option easy to spot. You can still keep your account at Oriental Bank of Commerce to fund the transfer.

Tracking a transfer to or from Oriental Bank of Commerce

How fast a payment arrives at Oriental Bank of Commerce is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add extra days to the journey. Extra checks on larger or unusual payments may also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR. Keep your transfer receipt until the recipient confirms.

Only the sending bank is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to look at your statements to see a slightly lower amount, since fees may have been deducted.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message saying that a contact has a new bank account and asking you to pay there from now on. A real SWIFT code tells you nothing about who owns the account.

Verify changed bank details through a different channel, such as a phone number you already know. Watch out for time pressure, odd spelling or an email address that differs by one letter. When a payment was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference to another account. A screenshot of a transfer is no proof.

What the XXX in ORBCINBBXXX means

A BIC is built from a few fixed parts: characters one to four stand for the bank, characters five and six show the country and the two after that indicate the location. The result is ORBCINBB, the short form of the code.

XXX at the end of ORBCINBBXXX does not stand for a placeholder or a mistake: it stands for the main office of Oriental Bank of Commerce. Some forms insist on 11 characters, in which case you simply enter XXX behind ORBCINBB.

In practice the code is typed in capitals, without spaces or dashes. A single character may route the money to another bank.

Before you send: check the Oriental Bank of Commerce code

The most reliable source for a SWIFT code is the bank details provided by the recipient. Compare that code against ORBCINBB on this page and ask if anything does not match.

Mistakes in the BIC tend to be costly rather than disastrous: often the payment comes back, minus fees. An error in the account number is more serious, because the money may be credited to someone else; check it just as carefully.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Some banks now check the name against the account before you confirm; take any warning seriously. Sending a small amount first is worth it for a large first payment despite the extra fee.

Paying into Oriental Bank of Commerce in INR

Accounts at Oriental Bank of Commerce are usually held in INR, the national currency of India. If you send money in a different currency gets converted somewhere along the way. Every conversion eats into the amount, even when no fee is shown.

Who converts the payment makes a difference. Transferring the money already in INR often prevents an extra conversion at the receiving end – as long as your own rate is good.

Exchange rates move during the day. If you pay regularly, a slightly better rate make a real difference over time.

Oriental Bank of Commerce: head office code versus branch codes

We have 90 SWIFT/BIC codes for Oriental Bank of Commerce, spread over 60 cities. Besides the head office code ORBCINBBXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with ORBCINBBXXX. When you receive a branch code, use it as it is rather than swapping it for the head office code.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more prone to change than ORBCINBBXXX when a bank merges or closes offices.

Incoming international payments to Oriental Bank of Commerce

Someone abroad who wants to pay you needs a few details about your account. Give them the account holder’s name, your account number or IBAN, SWIFT code ORBCINBBXXX and your address.

Their bank may request the address of your bank; the head office in Mumbai is usually fine. Double-check each detail before you send them.

An incoming payment will not always land in full. Fees for incoming transfers differ from bank to bank; check the price list of Oriental Bank of Commerce. Agree with the sender who pays which costs.

Where our SWIFT data comes from

This directory is based on public sources and is updated regularly. It can happen that a code here is no longer current. The figures on this page are based on what is in our directory and not on information from Oriental Bank of Commerce itself.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Oriental Bank of Commerce; we are a comparison site for money transfers. Spotted outdated information? Tell us via our contact form so we can correct it.