Bank of Baroda SWIFT/BIC code

What BARBZAJJ means for a payment to Bank of Baroda

The 8-character code BARBZAJJ and the full code BARBZAJJXXX identify the same bank: Bank of Baroda. The code has a single purpose: it ensures that a cross-border transfer ends up at the right bank. In practice you mostly see the code on invoices from abroad, in payment forms and in the bank details that Bank of Baroda provides.

Below you will find the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code names a bank or branch, not a single account, which is why you always need the account number too.

A note on our data

The details on this page are taken from public sources which we refresh regularly. Still, banks merge or retire codes, so information can be out of date. The number of codes we show reflect what is in our directory and not on information from Bank of Baroda itself.

For a payment of any size, always confirm the code with the recipient’s bank or the recipient. GoldexPay is not affiliated with Bank of Baroda, we only compare transfer services. Should you notice a mistake, we welcome a short note.

Before you send: check the Bank of Baroda code

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have differs from BARBZAJJ or BARBZAJJXXX, stop and ask.

If the code is wrong, the payment might get stuck, bounce back or cost extra. An error in the account number can be a bigger problem.

An automatic check by your bank merely confirms that the code exists – not that it belongs to the person you mean to pay. Some banks now check the name with the account. For a first payment, many people start with a small amount first and wait for confirmation.

Incoming international payments to Bank of Baroda

For an international payment into your account at Bank of Baroda, the sender needs not just the BIC. Share your name as the bank knows it, the IBAN or account number, SWIFT code BARBZAJJXXX and your address, which some banks require.

It helps to add the bank name and its city too. A mistake in your account number is harder to fix than it looks; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments differ per bank. Make clear with the sender who covers the fees, especially for larger amounts.

Which of the 2 codes of Bank of Baroda do you need?

With 2 codes, Bank of Baroda is one of the banks that use separate codes for branches and departments. The head office code remains BARBZAJJXXX.

Usually you do not need to pick a branch: transfers addressed to BARBZAJJXXX are routed within Bank of Baroda correctly. When you receive a branch code, use it as it is rather than replacing it with the head office code.

Unsure which code applies? Check with the recipient or the bank itself. Codes for branches are more likely to change than BARBZAJJXXX.

When will the money arrive at Bank of Baroda?

There is no fixed delivery time: many land the same day or the next. Transfers sent late in the day or on weekends and holidays usually go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

If the money is late, contact the sending bank for the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services often show a status online showing where the payment has got.

A missing payment has to be investigated from the sending side, using the payment confirmation. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.

Paying someone abroad from your Bank of Baroda account

What you pay for an international transfer is made up of more than one component – not just the fee on your screen. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

That exchange rate margin tends to be the largest item. An easy check: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For many routes, a transfer service turns out to be less expensive than a bank. GoldexPay compares what recipients receive with different providers, which makes the cheapest option easy to spot. You can still use your account at Bank of Baroda; only the conversion and sending happen elsewhere.

Changed bank details? Be careful

Stay wary if someone suddenly asks you to send money to a different account or a bank in another country. The fact that BARBZAJJ exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Before paying, verify changed bank details by phone. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud can also target the receiver. Someone sends too much and asks you to return the difference. A screenshot of a transfer proves nothing.

BARBZAJJ or BARBZAJJXXX – which one to use?

A BIC is made up of fixed blocks: characters one to four identify the bank, characters five and six show the country and the two after that mark the location. The result is BARBZAJJ.

Many banks and apps work with both lengths. If a form requires eleven characters, enter BARBZAJJXXX.

Do not add spaces or dashes when you type BARBZAJJ or BARBZAJJXXX. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

Paying into Bank of Baroda in ZAR

South Africa pays in the South African Rand, code ZAR. If you send money in a different currency it gets converted somewhere along the way. You rarely see a separate charge for the conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives. Sending the amount already in ZAR usually avoids an extra conversion – as long as your own rate is good.

The rate for ZAR changes throughout the day. If you pay regularly, small differences in the rate add up over a year.