UBS AG Singapore Branch SWIFT/BIC code

What UBSWSGSG means for a payment to UBS AG Singapore Branch

The short code UBSWSGSG and the 11-character code UBSWSGSGXXX refer to one and the same institution: UBS AG Singapore Branch, with its head office in Singapore. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. You will need it mostly when dealing with transfers between countries.

On this page you will find what the code is put together, when you need it and what else you need for a transfer to or from UBS AG Singapore Branch. The BIC names an institution, never a single account.

Where our SWIFT data comes from

We collect SWIFT/BIC codes using public sources and update them regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. Figures such as the number of codes are from our directory.

See our directory here as a helpful check, and let the details from the recipient or UBS AG Singapore Branch have the final say. GoldexPay is a comparison service for money transfers and not part of UBS AG Singapore Branch. Spotted outdated information? Tell us through the contact page.

8 or 11 characters: UBSWSGSG versus UBSWSGSGXXX

A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, the next two give the country and the two after that mark the location. In this case, the 8-character core is UBSWSGSG.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

Leave out spaces when you enter UBSWSGSG or UBSWSGSGXXX. A wrong character can send the money to a different institution, so check it twice.

Verifying the SWIFT code of UBS AG Singapore Branch

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 UBSWSGSG or UBSWSGSGXXX, stop and ask – contact the recipient or UBS AG Singapore Branch.

A wrong SWIFT code may lead to a delay, a payment being sent back or additional charges. Remember the account number: an error there is harder to correct than a wrong code.

An automatic check by your bank merely tells you that the code exists. Where available, a payee name check on the recipient adds extra certainty. A small test payment is worth it for a large first payment despite the extra fee.

Singapore Dollar (SGD) and conversion costs

Singapore uses the Singapore Dollar. When you pay money in a different currency, the amount has to be converted somewhere along the way – by your bank, by UBS AG Singapore Branch or by a bank in between. You rarely see a separate charge for the conversion; it is built into the rate.

Which bank converts the payment matters. Sending the money already in SGD usually prevents an extra conversion by UBS AG Singapore Branch – as long as your own rate is good.

The rate for SGD changes throughout the day and quotes are often valid only for a short time. With bigger transfers, a small difference in the rate can be worth more than the fee.

Head office or branch code at UBS AG Singapore Branch?

Our database contains 3 SWIFT/BIC codes for UBS AG Singapore Branch in 1 places. Next to the head office code UBSWSGSGXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use UBSWSGSGXXX. Branch codes are only needed when the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

Unsure which code to use? Check with the recipient, or look at a recent statement from UBS AG Singapore Branch. Codes can change over time.

Sending money abroad from UBS AG Singapore Branch

What you pay for an international transfer has more than one component, and the transfer fee is only the most visible one. 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 if the currency changes.

Many banks do not list the margin on the rate separately – you only notice it if you compare. A simple test: set the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. Next time you send money, take a minute comparing the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not require closing your account at UBS AG Singapore Branch: you simply pay the service from your account.

Incoming international payments to UBS AG Singapore Branch

For a transfer from abroad into your account at UBS AG Singapore Branch, the sender has to have more than the SWIFT code. Give them your name as the bank knows it, your account number or IBAN, SWIFT code UBSWSGSGXXX and your address, which some banks require.

You can add UBS AG Singapore Branch and its city too, because some payment forms have separate fields for them. A typo in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always land in full. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin comes on top. Make clear with the sender who pays which costs, especially for larger amounts.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a message saying that a contact has a new bank account and that the next payment should go there. That UBSWSGSG is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Never rely on contact details in the same message that announces the change. Pressure or secrecy tend to be warning signs. If money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived.

How long does an international transfer to UBS AG Singapore Branch take?

There is no single delivery time for every transfer: some land the same day or the next. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank asks what the payment is for.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the person who paid should start with the bank that sent it, not the receiving bank. As a recipient, you can check your account for a partial amount, since fees may have been deducted.