Bank of Khyber, The SWIFT/BIC code

What KHYBPKKA means for a payment to Bank of Khyber, The

The 8-character code KHYBPKKA and the 11-character code KHYBPKKAXXX refer to the same bank: Bank of Khyber, The in Peshawar, Pakistan. A SWIFT code tells the banks handling a payment which institution should receive the money, a bit like a postal address for banks. It comes up mainly when dealing with payments that cross a border.

We wrote this page to help anyone who sends money to an account at Bank of Khyber, The. The BIC names a bank or branch, not a specific account; the IBAN or account number does that.

Verifying the SWIFT code of Bank of Khyber, The

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. When the code you were given does not match KHYBPKKA or KHYBPKKAXXX, stop and ask.

Mistakes in the SWIFT code are costly more than disastrous: often the payment comes back, minus fees. Remember the account number: an error there can be harder to undo than a wrong BIC.

A format check by your bank only tells you that the IBAN is valid – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient gives extra certainty. A small test payment can be worth it for large sums.

Which of the 38 codes of Bank of Khyber, The do you need?

Our database contains 38 SWIFT/BIC codes for Bank of Khyber, The, spread over 17 cities. Besides the head office code KHYBPKKAXXX, you will find codes for individual branches and departments.

Usually there is no need to pick a branch: payments sent to KHYBPKKAXXX are routed within Bank of Khyber, The without problems. When you receive a specific code, use it as it is rather than replacing it with the head office code.

Unsure which code applies? Check with the recipient. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

Protect yourself against fake payment requests

Stay wary if someone unexpectedly wants you to pay into a different account or a bank in another country. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check changed payment details through a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Urgency and requests to keep it quiet tend to be red flags. Already paid? Contact the bank you paid from straight away and ask them to start a recall and report the fraud.

Scams can also work the other way: someone claims to have sent more than agreed and wants you to refund the difference to a new account. A payment confirmation from the sender is no proof.

What to give a sender who pays you at Bank of Khyber, The

If you expect a payment from another country, send the payer a complete set of details. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code KHYBPKKAXXX and, often, your address.

Their bank might also ask for the address of your bank, in which case the Peshawar head office is the usual answer. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

The amount you receive can be lower than the amount sent. Charges on incoming payments vary from bank to bank – the price list of Bank of Khyber, The tells you what applies. For business payments, it is common to agree how the fees are split, so that nobody is left short.

What the XXX in KHYBPKKAXXX means

A BIC is built from a few fixed parts: characters one to four stand for the bank, characters five and six give the country and characters seven and eight mark the location. The result is KHYBPKKA for Bank of Khyber, The.

The long version has three more characters for a branch or department. When those three characters are XXX, they simply mean the head office.

Leave out spaces or dashes when you enter KHYBPKKA. A wrong character can send a payment to a different institution, so copy it carefully.

International transfers from Bank of Khyber, The: the real cost

An international bank payment costs more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks can take a cut, and if the money changes currency, the bank usually uses a rate below the actual market rate.

That exchange rate margin tends to be the largest item. Compare their rate against the mid-market rate.

Specialised transfer providers frequently offer rates closer to the mid-market rate. GoldexPay lists transfer providers side by side so you can see what actually arrives for the same amount sent. You can always keep your account at Bank of Khyber, The, while a cheaper service handles the conversion.

Transfer times and tracking a payment to Bank of Khyber, The

There is no single answer for every transfer: many land the same day or the next. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the tracking status; with that reference banks can see where the payment is. Specialist transfer services usually provide a status online so you can see how far the money has got.

Only the sending bank can request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, you can look at your statements for a slightly lower amount.

About this information

This directory is compiled from publicly available sources. Still, banks merge or retire codes and our data may lag behind. Counts and locations come from our own dataset.

For any payment that matters, check the code with Bank of Khyber, The or with the recipient. We are a comparison service and not affiliated with Bank of Khyber, The. Should you notice something that is out of date, we welcome a message.