Faysal Bank Limited SWIFT/BIC code

What FAYSPKKA means for a payment to Faysal Bank Limited

Whether you are given FAYSPKKA or FAYSPKKAXXX, you are looking at the same address for Faysal Bank Limited in Pakistan. Every bank on the SWIFT network uses these codes to route international transfers to the right institution. In daily life you usually come across it on international invoices, in payment forms and in the bank details that Faysal Bank Limited provides.

We wrote this page to help anyone who receives money at an account at Faysal Bank Limited without mistakes. A SWIFT code identifies an institution, never a single account.

Faysal Bank Limited: head office code versus branch codes

Having 18 codes in 10 cities, Faysal Bank Limited belongs to the banks that use individual codes for parts of the organisation and departments. The main code remains FAYSPKKAXXX.

For most incoming transfers, the head office code FAYSPKKAXXX works fine. When you receive a branch code, use it as it is rather than replacing it with the head office code.

The safest route is to take the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

A note on our data

This directory is compiled from public sources. It can happen that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes are from our own dataset and are not confirmed by Faysal Bank Limited.

Before any payment of any size, always confirm the BIC with the recipient’s bank or the recipient. We are an independent comparison service for money transfers and not affiliated with Faysal Bank Limited. Found outdated information? Let us know through the contact page and we will look into it.

Sending money abroad from Faysal Bank Limited

What you pay for a payment abroad has more than one component – not just the fee on your screen. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate when the money is converted.

Many banks rarely list their exchange rate markup separately, but you pay it all the same. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate. Next time you send money, take a minute to compare the total cost via GoldexPay. You can still keep your account at Faysal Bank Limited as the source of the money, while a cheaper service handles the conversion.

Verifying the SWIFT code of Faysal Bank Limited

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given does not match FAYSPKKA or FAYSPKKAXXX, stop and ask: check with the recipient or with Faysal Bank Limited directly.

If the code is wrong, the payment might be delayed, bounce back or end up costing more – sometimes after weeks of searching. An error in the IBAN or account number is a bigger problem because it can reach the wrong person.

A format check by your bank only tells you that the IBAN is valid, not that it is the right account. Some banks now compare the payee name against the account before you confirm. For a first payment, many people send a small amount first before sending the rest.

How long does an international transfer to Faysal Bank Limited take?

A SWIFT payment usually takes one to a few business days, depending on the currency, the route and the banks involved. Weekends and public holidays in the sending or receiving country add extra days to the journey. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask the sending bank for the status or the UETR; with that reference banks can see where the payment is. Save your transfer receipt until the recipient confirms.

If a payment has not arrived within the expected time, the person who paid needs to contact their own bank, not the receiving bank. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Getting paid from abroad into a Faysal Bank Limited account

When you expect a payment from another country, send the payer a complete set of details. Share your name as the bank knows it, your account number or IBAN, SWIFT code FAYSPKKAXXX and your address.

Their bank may request the address of your bank. Double-check every detail before you send them.

An incoming payment does not always arrive in full. Charges on incoming payments differ from bank to bank. For business payments, you can state how the fees are split, so that nobody is left short.

Changed bank details? Be careful

Stay alert when someone unexpectedly wants you to send money to a different account or a bank in another country. A valid SWIFT code says nothing about who owns the account.

Verify new 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. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Fraud can also work the other way. Someone sends too much and wants you to return the difference via a different route. Wait until the money has really arrived.

8 or 11 characters: FAYSPKKA versus FAYSPKKAXXX

A SWIFT code is made up of a few fixed parts: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. Combined, those parts make up FAYSPKKA – the version you usually see online.

The 11-character version adds three more characters for a branch or department. If the last three are XXX, they simply mean the head office, so FAYSPKKAXXX and FAYSPKKA are interchangeable.

Enter the code as one block, in capitals and without separators, exactly as shown here. A wrong letter can send the money to a different institution, so check it twice.