Standard Chartered Bank (Pakistan) Limited SWIFT/BIC code

What SCBLPKKX means for a payment to Standard Chartered Bank (Pakistan) Limited

The 8-character code SCBLPKKX and the full code SCBLPKKXXXX identify the same bank: Standard Chartered Bank (Pakistan) Limited, with its head office in Karachi. A SWIFT code shows every bank in the chain which institution is meant to get the money, much like a postcode for banks. In daily life you mostly come across it on international invoices, in your banking app and on the account details that Standard Chartered Bank (Pakistan) Limited provides.

Below we go through the practical side: receiving money at Standard Chartered Bank (Pakistan) Limited, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number is for.

About this information

The directory on GoldexPay is based on public sources and we update it periodically. It is possible that a code on this page is out of date, for example after a merger. Counts and locations are from our own dataset and may differ from what Standard Chartered Bank (Pakistan) Limited publishes.

For a payment of any size, check the code with Standard Chartered Bank (Pakistan) Limited or with the recipient. We are an independent comparison service for money transfers and not part of Standard Chartered Bank (Pakistan) Limited. Spotted an error? Tell us through the contact page and we will look into it.

When will the money arrive at Standard Chartered Bank (Pakistan) Limited?

A SWIFT payment usually takes one to a few business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on weekends and holidays often go out the next business day. Sometimes a bank wants to know what the payment is for.

If the money seems delayed, ask your bank for the tracking status. Keep the payment confirmation.

Only the sending bank is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to look at your account to see a slightly lower amount.

Getting paid from abroad into a Standard Chartered Bank (Pakistan) Limited account

A sender in another country will ask for several details about your account – incomplete details often cause delays. What they need is: your name, account number or IBAN, SCBLPKKXXXX or SCBLPKKX and often your postal address.

Their bank may request the address of your bank; the head office in Karachi is usually fine. A mistake in the IBAN is more trouble than you might think, so copy the details from your online banking.

Expect that the incoming amount is smaller than what the sender paid. Charges on incoming payments differ per bank. On invoices, you can state who bears the costs to avoid a shortfall.

Before you send: check the Standard Chartered Bank (Pakistan) Limited code

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given does not match SCBLPKKX or SCBLPKKXXXX, stop and ask.

With a wrong code, the transfer may be delayed, be returned or end up costing more. An error in the account number can be more serious, because the money may be credited to someone else; check it just as carefully.

A validity check by your bank merely tells you that the code is valid. Some banks now compare the name with the account before you confirm. When you pay someone new, many people send a small amount first and wait for confirmation.

8 or 11 characters: SCBLPKKX versus SCBLPKKXXXX

A BIC is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and characters seven and eight indicate the location. The result is SCBLPKKX for Standard Chartered Bank (Pakistan) Limited.

Most banks and apps work with both lengths. If a form asks for eleven characters, enter SCBLPKKXXXX; if it wants eight, use SCBLPKKX.

Leave out spaces, dots when you enter SCBLPKKX. Copying the code beats retyping it.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a message claiming that a company now has a new bank account. A real SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Do not trust a phone number from the same email that announces the change. Pressure or secrecy are red flags – a real supplier can wait a day. Already paid? Call your bank straight away and have them start a recall.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money has really arrived.

Choosing between the 4 SWIFT codes of Standard Chartered Bank (Pakistan) Limited

Our directory lists 4 SWIFT/BIC codes for Standard Chartered Bank (Pakistan) Limited. Next to the head office code SCBLPKKXXXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code SCBLPKKXXXX works fine. When you receive a branch code, stick to it instead of replacing it with the head office code.

Unsure which code to use? Ask the recipient, or look at a recent statement from Standard Chartered Bank (Pakistan) Limited. Branch codes are more prone to be retired than the head office code.

Paying someone abroad from your Standard Chartered Bank (Pakistan) Limited account

The price of a payment abroad is made up of several parts – not just the fee on your screen. Besides a fixed fee, banks in between may deduct a fee, and if currencies are converted, the bank often uses a rate below the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate with a margin built in. A simple test: put the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay lists transfer providers next to each other so you can see what actually arrives for the same amount sent. You can still keep your account at Standard Chartered Bank (Pakistan) Limited as the source of the money.