Vijaya Bank SWIFT/BIC code

Vijaya Bank SWIFT code: VIJBINBB

The short code VIJBINBB and the full code VIJBINBBXXX refer to one and the same institution: Vijaya Bank in Mumbai, India. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

This page is meant to help people who pays into an account at Vijaya Bank without mistakes. Remember that the BIC just identifies the bank, not the person: the account number or IBAN takes care of that.

Sending money abroad from Vijaya Bank

When you transfer money to another country via Vijaya Bank, the fee you see is only part of what you pay. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

That exchange rate margin is often the biggest cost even though it is not listed as a fee. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many routes, a specialist provider is cheaper than a bank. Next time you send money, it is worth comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Vijaya Bank.

Vijaya Bank: head office code versus branch codes

Having 57 codes in 41 locations, Vijaya Bank is one of the banks that use separate codes for parts of the organisation. The main code remains VIJBINBBXXX.

Unless the recipient tells you otherwise, go with VIJBINBBXXX. Only use a branch code when your contact gives you that exact code.

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

Changed bank details? Be careful

Scammers regularly send payment requests containing changed bank details, sometimes in an email that looks completely genuine. A real SWIFT code tells you nothing about who owns the account.

Check new bank details via a different channel, such as a phone number you already know, never via the email that asked for the change. Urgency and requests to keep it quiet are warning signs – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and have them try to recall the payment.

Fraud can also work the other way. Someone claims to have sent too much and asks you to return the extra to a new account. Do not act before the money has really arrived – ask Vijaya Bank if something looks wrong.

The Indian Rupee and what conversion costs you

India pays in the Indian Rupee (INR). Money sent in a different currency will be exchanged into INR – and the bank that does it picks the rate. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who converts the payment matters, because each party uses its own rate. Transferring the amount already in INR often prevents a second conversion at the receiving end – as long as your own rate is good.

Rates for INR change all the time, and some providers let you lock in a rate. For regular payments, small differences in the rate make a real difference over a year.

A note on our data

Our SWIFT/BIC directory draws on public sources and is updated regularly. Still, banks merge, rename themselves or retire codes and our data may lag behind. The figures on this page are based on what is in our directory, not official figures from Vijaya Bank.

Before a payment that matters, always check the BIC with Vijaya Bank or the recipient. We are an independent comparison site for money transfers and not affiliated with Vijaya Bank. Should you notice something that is out of date, we welcome a message via the contact page.

Transfer times and tracking a payment to Vijaya Bank

There is no single answer for every transfer: many arrive within a day while others need several business days. Weekends and public holidays in either country add a day or more. Extra checks on larger or unusual payments can also add a delay.

If the money seems delayed, ask your bank for the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services usually provide tracking in their app showing how far the money 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, it helps to check your statements for a slightly lower amount, since fees may have been deducted.

Verifying the SWIFT code of Vijaya Bank

The most reliable place for the correct BIC is a document from the bank itself. Check that code against VIJBINBB here.

If the code is wrong, the payment might get stuck, bounce back or cost extra – sometimes after weeks of searching. A mistake in the account number can be more serious, so check that just as carefully.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the name with the account before you confirm. For a first payment, many people start with a small test amount and wait for confirmation.

Incoming international payments to Vijaya Bank

A sender in another country will ask for several details from you. Give them the account holder’s name, your account number or IBAN, SWIFT code VIJBINBBXXX and your address.

The sender’s bank may request the address of your bank, in which case the Mumbai head office is the usual answer. Check the details before you share them.

Money from abroad will not always arrive for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

Why Vijaya Bank has an 8- and an 11-character code

The structure of every SWIFT code is always the same: four characters for the institution, a two-letter country code and two for the location. Combined, these eight characters make up VIJBINBB – the version you usually see online.

The full version adds three more characters for a branch or department. If the last three are XXX, they simply mean the head office.

As a rule the code is typed in capitals. A single character can send the money to a different institution.