Standard Chartered Bank SWIFT/BIC code

SCBLJOAX – the SWIFT/BIC code of Standard Chartered Bank

SCBLJOAX and SCBLJOAXXXX are the short and the long form of the same SWIFT/BIC code, and both point to Standard Chartered Bank in Amman. Banks worldwide use BIC codes to route international transfers to the right institution. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details of Standard Chartered Bank customers.

Further down we go through the practical side: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code alone does not identify a personal account; that is what the IBAN or account number .

Paying someone abroad from your Standard Chartered Bank account

An international bank payment costs rather more than the listed fee. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank usually uses a rate below the actual market rate.

The markup on the rate tends to be the largest cost. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services often use a rate near the mid-market rate. Before your next transfer, it is worth to compare what arrives on GoldexPay. You can still use your account at Standard Chartered Bank as the source of the money, while a cheaper service handles the conversion.

What the XXX in SCBLJOAXXXX means

The structure of every SWIFT code never changes: four characters for the institution, two for the country and two for the location. In this case, that core is SCBLJOAX.

Many payment forms accept both lengths. If a form requires eleven characters, enter SCBLJOAXXXX, otherwise SCBLJOAX is fine.

As a rule the code is typed in capitals and without spaces. Watch for the letter O and the digit 0 or I versus 1.

Transfer times and tracking a payment to Standard Chartered Bank

There is no single answer for every transfer: some arrive within a day while others need several business days. Payments made after the cut-off time or just before a weekend or public holiday usually start the next business day. Extra checks on larger or unusual payments may also cause some delay.

If the money seems delayed, contact your bank about the tracking status and the transaction reference so they can trace it along the chain. Specialist transfer services often provide tracking online so you can see where the money has got.

A missing payment is traced from the sending side. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Getting paid from abroad into a Standard Chartered Bank account

If you expect a payment from another country, give the sender everything they need in one go. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC SCBLJOAXXXX (or SCBLJOAX) and sometimes your postal address.

Some sending banks want the name and address of Standard Chartered Bank; it does no harm to include it. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment does not always land in full. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. On invoices, you can state who bears the costs.

How up to date is this code?

The codes on this page are taken from public sources. Institutions merge, close branches and retire codes. Counts and locations come from our directory and are not confirmed by Standard Chartered Bank.

See our directory on this page as a handy check. GoldexPay is a comparison site and not affiliated with Standard Chartered Bank. Found an error? Tell us through the contact page and we will look into it.

Is SCBLJOAX still correct? How to check

Ask the recipient to send you their bank details straight from a recent statement. When the code you were given does not match SCBLJOAX or SCBLJOAXXXX, stop and ask.

An incorrect BIC may lead to delays, a returned payment or extra fees for investigation. Remember the account number: a mistake there can be harder to undo than a wrong code.

A validity check by your bank only confirms that the code exists, not that it is the right account. If your bank offers it, a payee name check before sending adds an extra layer of safety. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

Which of the 3 codes of Standard Chartered Bank do you need?

With 3 codes in 3 locations, Standard Chartered Bank belongs to the banks that use individual codes for parts of the organisation. The head office code is SCBLJOAXXXX.

In most cases there is no need to pick a branch: transfers sent to SCBLJOAXXXX are routed within Standard Chartered Bank correctly. If you have been given a branch code, stick to it rather than replacing it for the head office code.

Not sure which code applies? Check with the recipient, or look at a recent statement from Standard Chartered Bank. Codes for branches are more likely to change than SCBLJOAXXXX when a bank merges or closes offices.

Protect yourself against fake payment requests

Be alert when someone suddenly asks you to pay into a different account. That SCBLJOAX is a real code does not mean that the account is genuine.

Never rely on a phone number in the same message that contains the change. Pressure and secrecy tend to be warning signs; a genuine business can wait for you to check. If a payment has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Scams also target the receiver: someone claims to have sent too much and asks you to refund the extra to a new account. A payment confirmation from the sender is no proof – check your own account.