Tamilnad Mercantile Bank Limited SWIFT/BIC code

TMBLINBB – the SWIFT/BIC code of Tamilnad Mercantile Bank Limited

The 8-character code TMBLINBB and the 11-character code TMBLINBBXXX identify the same bank: Tamilnad Mercantile Bank Limited in Chennai (Madras), India. Every bank on the SWIFT network uses BIC codes to route international transfers to the correct institution. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details of Tamilnad Mercantile Bank Limited customers.

We wrote this page to help anyone who pays into an account at Tamilnad Mercantile Bank Limited and wants to get the details right. The BIC identifies an institution, never a specific account; the IBAN or account number does that.

Head office or branch code at Tamilnad Mercantile Bank Limited?

Having 3 codes, Tamilnad Mercantile Bank Limited is one of the banks that use individual codes for parts of the organisation and departments. The head office code remains TMBLINBBXXX.

Usually you do not need to pick a branch: payments addressed to TMBLINBBXXX are routed within Tamilnad Mercantile Bank Limited correctly. If you have been given a branch code, stick to it instead of replacing it for the head office code.

Not sure which code to use? Ask the recipient or the bank itself. Codes are sometimes changed or retired over time.

How long does an international transfer to Tamilnad Mercantile Bank Limited take?

There is no single delivery time for every transfer: some arrive the same day or the next, others take several business days. Bank holidays in the sending or receiving country can add extra days. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, contact your bank for the status and the transaction reference. Keep your transfer receipt until the money has arrived.

If the money does not arrive after a few business days, the person who paid needs to start with the bank that sent it. As a recipient, you can look at your account to see a partial amount because fees can reduce the amount.

Sending money abroad from Tamilnad Mercantile Bank Limited

A bank transfer abroad costs rather more than the listed fee. Besides the transfer fee, banks in between may deduct a fee, and when the money changes currency, the bank usually applies a rate below the actual market rate.

Many banks do not show their exchange rate markup as a cost. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets for the same amount sent. You can always use your account at Tamilnad Mercantile Bank Limited as the source of the money; only the conversion and sending happen elsewhere.

Sending INR to Tamilnad Mercantile Bank Limited

The local currency in India is the Indian Rupee (INR). If you send money in a different currency it gets converted somewhere along the way – by your bank, by Tamilnad Mercantile Bank Limited or by a bank in between. There is rarely a separate charge for that conversion; it is built into the rate.

Which bank converts the money matters: every bank has its own margin. Sending the amount already in INR often avoids a second conversion.

Exchange rates change during the day. On larger amounts, even small difference in the rate adds up quickly.

Where our SWIFT data comes from

This directory is compiled from publicly available sources and is updated regularly. It can happen that information on this page is out of date. The figures we show are based on our own data.

Treat the information here as a handy check, and let the details from the recipient or Tamilnad Mercantile Bank Limited have the final say. GoldexPay is not affiliated with Tamilnad Mercantile Bank Limited, we only compare transfer services. Spotted outdated information? Tell us through the contact page and we will look into it.

Scams that use SWIFT codes

Fraudsters often send fake invoices containing changed bank details. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never trust a phone number from the same email that contains the change. Watch out for urgent requests, unusual wording or an email address that differs by one letter. If money was sent to the wrong account, call your bank right away.

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 payment confirmation from the sender proves nothing.

What the XXX in TMBLINBBXXX means

The layout of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. The result is TMBLINBB.

The full version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why TMBLINBBXXX and TMBLINBB lead to the same place.

Leave out spaces when you enter TMBLINBB. Copying the code beats retyping it: a typo can point to another bank.

Receiving money from abroad at Tamilnad Mercantile Bank Limited

For a transfer from abroad into your account at Tamilnad Mercantile Bank Limited, the sender has to have more than the SWIFT code. The basics are: your name, account number or IBAN, TMBLINBBXXX and, for some countries, your home address.

Certain sending banks want the address of Tamilnad Mercantile Bank Limited in Chennai (Madras); it does no harm to include it. Check the details before you share them, because the sender’s bank usually copies them as is.

What lands in your account can be lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs.

Is TMBLINBB still correct? How to check

Ask the recipient to send you the bank details directly from their online banking. When the code you were given does not match TMBLINBB or TMBLINBBXXX, stop and ask.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong code.

An automatic check in your banking app merely tells you that the IBAN exists, not that it is the right account. More and more banks compare the payee name with the account before you confirm; take any warning seriously. Sending a small amount first is worth it for large sums, even if it costs an extra fee.