United Overseas Bank (Malaysia) Berhad SWIFT/BIC code

SWIFT/BIC code of United Overseas Bank (Malaysia) Berhad

The 8-character code UOVBMYKL and the 11-character code UOVBMYKLXXX identify the same bank: United Overseas Bank (Malaysia) Berhad. Every bank on the SWIFT network uses BIC codes to route payments between countries to the correct bank. In practice you mostly come across it on invoices from abroad, in your banking app and in the bank details of United Overseas Bank (Malaysia) Berhad customers.

Further down we go through the practical side: money coming in from abroad, sending money abroad and how to check the code before you hit send. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

Which of the 27 codes of United Overseas Bank (Malaysia) Berhad do you need?

United Overseas Bank (Malaysia) Berhad has 27 different SWIFT/BIC codes across 20 locations. Only one is the head office code, UOVBMYKLXXX; the rest belong to branches, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code UOVBMYKLXXX works fine. When you receive a specific code, use it as it is instead of swapping it with 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 be retired than UOVBMYKLXXX when a bank merges or closes offices.

Scams that use SWIFT codes

Be wary if someone unexpectedly wants you to send money to another account abroad. A correct SWIFT code says nothing about whether the request is genuine.

Check new bank details via a different channel, such as a phone number you already know, not by replying to the message. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver: someone sends more than agreed and wants you to return the extra. Do not act before the money has really arrived and check with United Overseas Bank (Malaysia) Berhad if anything seems off.

Transfer times and tracking a payment to United Overseas Bank (Malaysia) Berhad

How fast a payment arrives at United Overseas Bank (Malaysia) Berhad is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or just before weekends and holidays usually start the next business day. Sometimes a bank wants to know about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. 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 contact the bank that sent it. As a recipient, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

Verifying the SWIFT code of United Overseas Bank (Malaysia) Berhad

The best place to find the right code remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from UOVBMYKL or UOVBMYKLXXX, do not guess.

If the code is wrong, the transfer may be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the account number: a mistake there is more difficult to correct than a wrong code.

Most online banking apps check the format of IBANs and sometimes look up the BIC automatically. More and more banks compare the payee name with the account; take any warning seriously. Sending a small amount first can be worth it for a large first payment despite the extra fee.

Why United Overseas Bank (Malaysia) Berhad has an 8- and an 11-character code

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code. For United Overseas Bank (Malaysia) Berhad, the 8-character core is UOVBMYKL.

XXX at the end of UOVBMYKLXXX is not a placeholder or a mistake: it indicates the main office of United Overseas Bank (Malaysia) Berhad. Some forms ask for 11 characters, in which case you simply enter XXX behind UOVBMYKL.

As a rule the code is written in capitals. Pasting the code beats typing it by hand.

About this information

We gather SWIFT/BIC codes using public sources and check them from time to time. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations are from our directory and may differ from what United Overseas Bank (Malaysia) Berhad publishes.

Before a payment of any size, always confirm the BIC with United Overseas Bank (Malaysia) Berhad or with the recipient. We are a comparison site and not part of United Overseas Bank (Malaysia) Berhad. If you notice something that is out of date, we appreciate a message.

International transfers from United Overseas Bank (Malaysia) Berhad: the real cost

A bank transfer abroad costs rather more than the listed fee. Besides a fixed fee, correspondent or intermediary banks may take a cut, and when currencies are converted, the bank often uses a rate below the actual market rate.

The markup on the rate tends to be the largest cost because it is hidden in the rate. Compare their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare the amount that arrives with different services. You can still use your account at United Overseas Bank (Malaysia) Berhad; only the conversion and sending happen elsewhere.

Getting paid from abroad into a United Overseas Bank (Malaysia) Berhad account

Someone abroad who wants to pay you needs several details about your account, and missing ones are a common cause of delays. In practice that means: your name as registered with United Overseas Bank (Malaysia) Berhad, your IBAN or account number, the BIC UOVBMYKLXXX and sometimes your address.

Their bank may also ask for the bank address of United Overseas Bank (Malaysia) Berhad, in which case the Kuala Lumpur head office is the usual answer. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank – the price list of United Overseas Bank (Malaysia) Berhad tells you what applies. On invoices, you can state who bears the costs to avoid a shortfall.