Bank of Baroda SWIFT/BIC code

SWIFT/BIC code of Bank of Baroda

BARBMUMU and BARBMUMUXXX are two spellings of the same SWIFT/BIC code, and both point to Bank of Baroda in Port Louis. Banks worldwide use BIC codes to direct payments between countries to the correct institution. You will need it mostly for payments that cross a border.

On this page we explain how the code means, when you need it and what else a transfer to or from Bank of Baroda requires. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN is for.

About this information

The details on this page come from public sources that we update regularly. Banks reorganise, change names and retire codes – a directory can be a step behind. The number of codes we show are based on what is in our directory.

Treat our directory on this page as a helpful check, and let the details from the recipient or Bank of Baroda have the final say. GoldexPay is independent of Bank of Baroda. Spotted an error? Let us know via our contact form so we can correct it.

Before you send: check the Bank of Baroda code

The most reliable source for a SWIFT code is the bank details provided by the recipient. Compare that code with BARBMUMU on this page and ask if anything does not match.

Mistakes in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Remember the account number: an error there can be harder to undo than a wrong BIC.

A validity check in your banking app merely tells you that the IBAN is valid. Some banks now check the name against the account. For a first payment, some people send a small test amount before sending the rest.

What a transfer from Bank of Baroda abroad really costs

The price of an international transfer is made up of several parts – not just the fee on your screen. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Banks do not list the margin on the rate separately – you only notice it if you compare. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can still use your account at Bank of Baroda to fund the transfer, while a cheaper service handles the conversion.

Getting paid from abroad into a Bank of Baroda account

If you expect a payment from another country, give the sender everything they need in one go. That means: your full name as registered with Bank of Baroda, your account number or IBAN, the BIC BARBMUMUXXX and sometimes your address.

Their bank may also ask for the address of your bank; the head office in Port Louis is usually fine. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always land in full. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. For business payments, you can agree who bears the costs, so that nobody is left short.

Bank of Baroda: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Bank of Baroda in 1 places. Besides the head office code BARBMUMUXXX, you will find codes for individual branches and departments.

Usually there is no need to look up a branch: transfers sent to BARBMUMUXXX are routed within Bank of Baroda correctly. Only use a branch code when the account holder gives you that exact code.

The safest route is to take the code straight from the recipient’s bank details. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Transfer times and tracking a payment to Bank of Baroda

A SWIFT payment typically takes anywhere from one to several business days. Weekends and public holidays in either country can add extra days to the journey. Occasionally a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask the sending bank for the tracking status and the transaction reference. Specialist transfer services usually show a status in their app showing how far the money is.

A missing payment is investigated from the sending side, using the payment confirmation. Request from the sender the payment receipt with the date and reference.

Watch out for payment fraud

Be wary if someone unexpectedly wants you to pay into a different account abroad. That BARBMUMU is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Check new bank details through a different channel like a call to a number from an earlier contract. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from straight away and have them start a recall; also report it to the police.

Fraud can also work the other way: someone sends more than agreed and asks you to refund the extra. Wait until the money is actually in your account – ask Bank of Baroda if something looks wrong.

Why Bank of Baroda has an 8- and an 11-character code

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. The result is BARBMUMU, the short form of the code.

Most payment forms work with both lengths. If yours asks for eleven characters, enter BARBMUMUXXX; if it wants eight, use BARBMUMU.

Enter the code as one block, in capitals and without separators. Look out for the letter O and the digit 0 and I versus 1; they are easy to mix up.