United Western Bank LTD. SWIFT/BIC code

What UWBAINB1 means for a payment to United Western Bank LTD.

Whether you are given UWBAINB1 or UWBAINB1XXX, you are looking at the identical address for United Western Bank LTD. in India. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. It comes up mostly for payments that cross a border or a currency.

We wrote this page to help people who receives money at an account at United Western Bank LTD.. The BIC identifies a bank or branch, not a single account, which is why you always need the account number too.

Tracking a transfer to or from United Western Bank LTD.

There is no fixed answer: some arrive the same day or the next while others need several business days. Weekends and public holidays in either country add extra days to the journey. Sometimes a bank wants to know what the payment is for.

A growing number of banks are connected to SWIFT gpi. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Money transfer services often show a status in their app showing how far the money is.

The bank that sent the money is able to request a trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Paying someone abroad from your United Western Bank LTD. account

The price of a payment abroad is made up of several parts. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup.

The markup on the rate is often the biggest cost, and it is easy to miss. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares the amount that arrives with different providers. You can still use your account at United Western Bank LTD. to fund the transfer.

Scams that use SWIFT codes

Be alert if someone unexpectedly wants you to pay into a different account abroad. The fact that UWBAINB1 exists does not mean that the account is genuine.

Do not rely on contact details from the same email that announces the new account. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Contact the bank you paid from without delay and have them start a recall.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference abroad. A payment confirmation from the sender proves nothing.

How up to date is this code?

This directory is compiled from publicly available sources. Still, banks merge or retire codes. The figures we show are based on our own data and not on information from United Western Bank LTD. itself.

Treat the information on this page as a helpful check and rely on the recipient or United Western Bank LTD. for the final confirmation. GoldexPay is independent of United Western Bank LTD., we only compare transfer services. If you notice a mistake, we appreciate a short note.

Which of the 18 codes of United Western Bank LTD. do you need?

Our directory lists 18 SWIFT/BIC codes for United Western Bank LTD.. Besides the head office code UWBAINB1XXX, you will find codes for individual branches and departments.

For most payments to a private or business account, the head office code UWBAINB1XXX works fine. When you receive a branch code, stick to it instead of replacing it with the head office code.

Unsure which code to use? Check with the recipient. Codes for branches are more likely to be retired than UWBAINB1XXX.

Why United Western Bank LTD. has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. Combined, those parts make up UWBAINB1, the code most people search for.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is written in capitals, without spaces or dashes. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Getting paid from abroad into a United Western Bank LTD. account

To receive an international payment at United Western Bank LTD., the person paying you needs more than the SWIFT code. What they need is: your name, account number or IBAN, UWBAINB1XXX or UWBAINB1 and, for some countries, your home address.

Certain sending banks also ask for the name and address of United Western Bank LTD. in Mumbai, so keep it at hand. A typo in the IBAN can be harder to fix than you might think.

Do not be surprised if the amount credited is below what the sender paid. Fees for incoming transfers vary from bank to bank. Agree with the sender who covers the fees.

Paying into United Western Bank LTD. in INR

The currency in India is the Indian Rupee (INR). Money sent in a different currency is converted into INR before it reaches the account. Each conversion costs something – usually through the rate rather than a fee.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Compare what INR the recipient gets with different providers; the difference between options can be larger than you expect.

The INR rate fluctuates throughout the day. On larger amounts, a small gap in the rate adds up quickly.

Before you send: check the United Western Bank LTD. code

Ask the recipient to copy their bank details directly from their banking app. If the code you have differs from UWBAINB1 or UWBAINB1XXX, do not guess.

With a wrong code, the transfer might get stuck, bounce back or cost extra – sometimes after weeks of searching. An error in the IBAN or account number can be a bigger problem.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically. If your bank offers it, a payee name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for large sums despite the extra fee.