Morgan Stanley Asia International Limited SWIFT/BIC code

MSSASGSG – the SWIFT/BIC code of Morgan Stanley Asia International Limited

Whether you are given MSSASGSG or MSSASGSGXXX, you are looking at the identical address for Morgan Stanley Asia International Limited in Singapore. Banks worldwide use BIC codes to route international transfers to the correct bank. It comes up mainly for transfers between countries.

On this page we explain what the code means, when you need it and what else a transfer to or from Morgan Stanley Asia International Limited requires. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number is for.

Before you send: check the Morgan Stanley Asia International Limited code

Ask the recipient to copy their account details directly from their online banking. If the code you have differs from MSSASGSG or MSSASGSGXXX, stop and ask: check with the recipient or with Morgan Stanley Asia International Limited directly.

Mistakes in the SWIFT code are annoying more than fatal. Remember the account number: an error there can be harder to correct than a wrong BIC.

An automatic check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient adds an extra layer of safety. For a first payment, many people start with a small test amount.

A note on our data

Our SWIFT/BIC directory draws on public sources and is updated regularly. Institutions merge, change names and retire codes. The number of codes on this page reflect our own data.

See the information here as a helpful check. GoldexPay is an independent comparison service for money transfers and not part of Morgan Stanley Asia International Limited. If you notice something that is out of date, we welcome a message.

Why Morgan Stanley Asia International Limited has an 8- and an 11-character code

A BIC is made up of fixed blocks: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. In this case, the 8-character core is MSSASGSG.

Many banks and apps work with either length. If yours asks for eleven characters, use MSSASGSGXXX, otherwise MSSASGSG is fine.

Leave out spaces or dashes when you enter MSSASGSG. Watch for O versus 0 and the letter I and the digit 1; they are easy to mix up.

Getting paid from abroad into a Morgan Stanley Asia International Limited account

When you expect a payment from another country, give the sender all details at once. That means: your name as registered with Morgan Stanley Asia International Limited, your IBAN or account number, the SWIFT/BIC code MSSASGSGXXX (or MSSASGSG) and, often, your postal address.

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

The amount you receive is often less than what was sent. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who pays which costs before the money is sent.

Changed bank details? Be careful

Stay wary if someone suddenly asks you to send money to a different account abroad. The fact that MSSASGSG exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Always verify changed bank details by phone. Watch out for time pressure, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and ask them to start a recall.

Fraud can also target the receiver: someone sends too much and asks you to refund the difference via a different route. A screenshot of a transfer proves nothing.

The Singapore Dollar and what conversion costs you

Singapore uses the Singapore Dollar, code SGD. Money sent in a different currency is exchanged into SGD. There is rarely a separate line for that conversion.

Who does the conversion affects the final amount, since every bank sets its own rate. Compare what SGD the recipient gets via different providers; the difference between options can be larger than you expect.

Rates for SGD move all the time – some services let you fix a rate in advance. On larger amounts, even small difference in the rate adds up quickly.

When will the money arrive at Morgan Stanley Asia International Limited?

How fast a payment arrives at Morgan Stanley Asia International Limited is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country can add extra days. Extra checks by one of the banks can also add a delay, regardless of the details.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR. Specialist transfer services often show a status in their app showing how far the payment is.

The bank that sent the money is able to request a trace; the receiving side usually has nothing to trace yet. As a recipient, you can look at your statements for a slightly lower amount.

Morgan Stanley Asia International Limited: head office code versus branch codes

We have 2 SWIFT/BIC codes for Morgan Stanley Asia International Limited. Next to the head office code MSSASGSGXXX, there are codes for individual branches and departments.

For most payments to a private or business account, the head office code MSSASGSGXXX is what you need. Only use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes can change over time, so do not rely on old paperwork.

Paying someone abroad from your Morgan Stanley Asia International Limited account

If you transfer money to another country from Morgan Stanley Asia International Limited, the fee you see is rarely all of what you pay. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup when the money is converted.

Most of the cost usually sits in the exchange rate: the bank converts at a rate with a margin built in. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. Next time you send money, it is worth comparing the total cost on GoldexPay instead of going straight to your bank. You can still keep your account at Morgan Stanley Asia International Limited as the source of the money.