Bank Al Habib Limited SWIFT/BIC code

Bank Al Habib Limited SWIFT code: BAHLPKKA

BAHLPKKA and BAHLPKKAXXX are the short and the long form of the same SWIFT/BIC code, and both lead to Bank Al Habib Limited in Karachi. Banks worldwide use BIC codes to direct payments between countries to the correct bank. In practice you usually see it on invoices from abroad, in payment forms and on the account details that Bank Al Habib Limited provides.

This page is meant to help people who pays into an account at Bank Al Habib Limited. A SWIFT code identifies an institution, never a specific account, which is why you always need the account number too.

Getting paid from abroad into a Bank Al Habib Limited account

When you are waiting for a payment from another country, give the sender all details at once. That means: your full name as registered with Bank Al Habib Limited, your account number or IBAN, the SWIFT/BIC code BAHLPKKAXXX (or BAHLPKKA) and usually your postal address.

Certain sending banks also ask for the name and address of Bank Al Habib Limited in Karachi; it does no harm to include it. Double-check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. For business payments, it is common to agree how the fees are split, so that nobody is left short.

8 or 11 characters: BAHLPKKA versus BAHLPKKAXXX

The layout of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code, sometimes followed by a branch code. In this case, the 8-character core is BAHLPKKA.

The 11-character version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office.

As a rule the code is typed in capitals and without spaces. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Bank Al Habib Limited: head office code versus branch codes

Our directory lists 11 SWIFT/BIC codes for Bank Al Habib Limited in 5 places. Next to the head office code BAHLPKKAXXX, you will find codes for individual branches and departments.

In most cases there is no need to look up a branch: transfers addressed to BAHLPKKAXXX are routed within Bank Al Habib Limited correctly. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

Not sure which code applies? Check with the recipient. Branch codes can change over time, so do not rely on old paperwork.

Before you send: check the Bank Al Habib Limited code

The best place to find the right code remains paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from BAHLPKKA or BAHLPKKAXXX, do not guess: check with the recipient or with Bank Al Habib Limited directly.

With a wrong code, the payment may be delayed, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person; check it just as carefully.

Most online banking apps validate the structure of IBANs and some suggest the matching BIC – that confirms the format, not the owner. More and more banks compare the payee name against the account. For a first payment, some people send a small amount first before sending the rest.

How up to date is this code?

We collect bank codes using public sources and check them regularly. Institutions reorganise, close branches and retire codes. Counts and locations are from our own dataset.

Use our data as a reference, not as the final word. GoldexPay is a comparison site for money transfers and not affiliated with Bank Al Habib Limited. Should you notice something that is out of date, we appreciate a short note via the contact page.

What a transfer from Bank Al Habib Limited abroad really costs

If you send money abroad via Bank Al Habib Limited, the fee you see is only part of the cost. On top of the transfer fee, banks in between may deduct a fee, and if currencies are converted, the bank usually applies a rate that is less favourable than the real market rate.

The markup on the rate tends to be the largest item even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For many routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, take a minute comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require closing your account at Bank Al Habib Limited.

Tracking a transfer to or from Bank Al Habib Limited

There is no single answer for international payments: some land within a day, others take several business days. Payments made after the cut-off time or on weekends and holidays usually go out a business day later. Sometimes a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank for the status or the UETR so they can trace it along the chain. Save your transfer receipt.

The bank that sent the money is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

Scams that use SWIFT codes

One of the most common tricks works like this: you receive a message claiming that a company now has new bank details. The fact that BAHLPKKA exists does not mean that the account is legitimate.

Check new payment details via a different channel like a call to a number from an earlier contract, not by replying to the message. Urgency or requests to keep it quiet are warning signs; a genuine business can wait for you to check. When a payment has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver: someone sends too much and asks you to refund the extra to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.