Standard Chartered Bank Uganda Limited SWIFT/BIC code

Standard Chartered Bank Uganda Limited SWIFT code: SCBLUGKA

If an invoice shows SCBLUGKA or SCBLUGKAXXX, you are looking at the same identifier for Standard Chartered Bank Uganda Limited in Uganda. A SWIFT code tells the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. You will need it mostly for transfers between countries and payments in foreign currencies.

On this page we explain how the code is put together, when it matters and what else a transfer to or from Standard Chartered Bank Uganda Limited requires. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN is for.

Protect yourself against fake payment requests

A common scam goes like this: an email arrives with a request claiming that a supplier has a new bank account. A valid SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check new payment details via a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure and requests to keep it quiet are red flags; a genuine business can wait for you to check. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Scams can also target the receiver. Someone claims to have sent too much and asks you to refund the extra via a different route. Wait until the money has really arrived and check with Standard Chartered Bank Uganda Limited if anything seems off.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources. Institutions merge, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes are from our own dataset and are not confirmed by Standard Chartered Bank Uganda Limited.

See our directory on this page as a helpful check, and let the details from the recipient or Standard Chartered Bank Uganda Limited have the final say. GoldexPay is a comparison site and not affiliated with Standard Chartered Bank Uganda Limited. If you notice a mistake, we appreciate a short note.

What to give a sender who pays you at Standard Chartered Bank Uganda Limited

If you expect a payment from another country, give the sender a complete set of details. What they need is: the account holder’s name, account number or IBAN, SCBLUGKAXXX or SCBLUGKA and in many cases your home address.

Certain sending banks want the address of Standard Chartered Bank Uganda Limited; it does no harm to include it. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. For business payments, it is common to agree who bears the costs to avoid a shortfall.

How long does an international transfer to Standard Chartered Bank Uganda Limited take?

A SWIFT payment usually takes one to a few business days. Payments made after the cut-off time or on weekends and holidays often start the next business day. Extra checks on larger or unusual payments can also cause a delay.

If a transfer is delayed, ask the sending bank for the status; with that reference banks can see where the payment is. Specialist transfer services often provide tracking in their app showing how far the money is.

A delayed transfer is investigated from the sending side, using the payment confirmation. As a recipient, it helps to check your account to see a partial amount.

SCBLUGKA or SCBLUGKAXXX – which one to use?

A SWIFT code is built from fixed blocks: characters one to four identify the bank, characters five and six give the country and the two after that mark the location. Combined, those parts make up SCBLUGKA, the code most people search for.

Many payment forms work with both lengths. If a form asks for eleven characters, use SCBLUGKAXXX; if it wants eight, use SCBLUGKA.

Type the code in one piece, in capitals and without spaces. Watch for the letter O and the digit 0 and the letter I and the digit 1.

How to check SCBLUGKA before you pay

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given does not match SCBLUGKA or SCBLUGKAXXX, stop and ask.

Mistakes in the SWIFT code are annoying rather than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: a mistake there can be more difficult to correct than a wrong BIC.

A validity check in your banking app merely confirms that the IBAN is valid, not that it is the right account. Where available, a payee name check on the recipient adds an extra layer of safety. A small test payment can be worth it for large sums, even if it costs an extra fee.

Standard Chartered Bank Uganda Limited: head office code versus branch codes

With 2 codes, Standard Chartered Bank Uganda Limited is one of the banks that use individual codes for branches and departments. The main code remains SCBLUGKAXXX.

Unless the recipient tells you otherwise, go with SCBLUGKAXXX or its short form SCBLUGKA. If you have been given a branch code, use it as it is instead of replacing it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Paying someone abroad from your Standard Chartered Bank Uganda Limited account

An international bank payment costs more than the fee suggests. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup when the money is converted.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

Money transfer services often offer rates closer to the mid-market rate. On GoldexPay you can compare what recipients receive with different providers. Using a transfer service does not mean closing your account at Standard Chartered Bank Uganda Limited: you simply pay the service from your account.