Faisal Islamic Bank SWIFT/BIC code

What FISBSDKH means for a payment to Faisal Islamic Bank

The 8-character code FISBSDKH and the 11-character code FISBSDKHXXX identify one and the same institution: Faisal Islamic Bank. A BIC does one job: it ensures that an international payment ends up at the right bank. It comes up mostly when dealing with transfers between countries and payments in foreign currencies.

Further down we go through the practical questions: money coming in from abroad, sending money abroad and how to verify the code before you confirm a payment. The BIC names an institution, not a single account; the IBAN or account number does that.

Choosing between the 13 SWIFT codes of Faisal Islamic Bank

Faisal Islamic Bank uses 13 different SWIFT/BIC codes. Only one is the head office code, FISBSDKHXXX; the rest identify branches, and sometimes specific services.

If nobody asks you for a branch code, go with FISBSDKHXXX or its short form FISBSDKH. Branch codes are only needed if the recipient’s bank specifically asks for it, which is more common for corporate accounts and specialised services.

The safest route is to copy the code straight from the recipient’s bank details. Branch codes are more prone to be retired than FISBSDKHXXX when a bank merges or closes offices.

Receiving money from abroad at Faisal Islamic Bank

A sender in another country needs several details about your account. Share your name as the bank knows it, your account number or IBAN, SWIFT code FISBSDKHXXX and your address.

The sender’s bank might request the bank address of Faisal Islamic Bank, in which case the Khartoum head office is the usual answer. A mistake in the IBAN can be harder to fix than it looks.

The amount you receive can be less than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, you can agree who bears the costs to avoid a shortfall.

What the XXX in FISBSDKHXXX means

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. That gives you FISBSDKH.

Most banks and apps work with either length. If yours asks for eleven characters, use FISBSDKHXXX; if it wants eight, use FISBSDKH.

Do not add spaces, dots when you enter FISBSDKH. Pasting the code beats retyping it, because one wrong letter changes the bank.

Watch out for payment fraud

Criminals regularly use fake invoices with changed bank details. That FISBSDKH is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Never trust contact details from the same email that contains the change. Pressure or secrecy are warning signs; a genuine business can wait for you to check. When a payment has already gone to the wrong account, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account and check with Faisal Islamic Bank if anything seems off.

Is FISBSDKH still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details. If the code you have differs from FISBSDKH or FISBSDKHXXX, do not guess.

An incorrect BIC may lead to delays, a returned payment or additional charges along the way. An error in the account number can be a bigger problem, because the money may be credited to someone else; check it just as carefully.

Many banking apps check the format of IBANs. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

International transfers from Faisal Islamic Bank: the real cost

What you pay for an international transfer has more than one component. There is 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.

The real cost is often in the rate: the bank converts using an exchange rate that includes a margin. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a transfer service is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not mean closing your account at Faisal Islamic Bank: you simply pay the service from your account.

How up to date is this code?

This directory is based on publicly available sources. Institutions reorganise, change names and retire codes. The figures on this page reflect our own data and not on information from Faisal Islamic Bank itself.

See our directory here as a helpful check and rely on the recipient or Faisal Islamic Bank for the final confirmation. We are an independent comparison site and not part of Faisal Islamic Bank. Should you notice something that is out of date, we welcome a short note via the contact page.

Tracking a transfer to or from Faisal Islamic Bank

A SWIFT payment usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country add extra days to the journey. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer seems delayed, contact the sending bank about the tracking status or the UETR; with that reference banks can see where the payment is. Save the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the sender needs to contact the bank that sent it. As a recipient, you can check your statements for a partial amount because fees can reduce the amount.