SWIFT/BIC codes in United Kingdom: banks starting with A
4,648 banks and financial institutions in United Kingdom with 20,757 SWIFT/BIC codes in total.
The way a SWIFT/BIC code from United Kingdom is built up
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- EDSO Bank code
- 4 letters that identify the bank.
- GB Country code
- 2 letters for the country (ISO 3166).
- 21 Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Finding a SWIFT code in United Kingdom
This directory covers 4648 banks and other institutions in United Kingdom, with 20757 SWIFT/BIC codes in total. You will need a SWIFT/BIC code mostly when making international transfers.
Search for the bank you need below and click through for the full list of codes and the details a transfer needs. Further down you can read how codes from United Kingdom are built, how to send money there at a fair price and how to check a code before you pay.
Tracking a payment to United Kingdom
There is no fixed answer for payments to United Kingdom: many arrive within a day while others need several business days. Transfers sent late in the day or on weekends and holidays often go out the next business day.
A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR. Specialist transfer services usually show a status in their app.
Sending GBP to United Kingdom
Most accounts in United Kingdom are usually held in GBP. When you pay money in a different currency, it gets converted at some point.
Who converts the payment matters, because each party uses its own rate. In many cases it is cheaper if you send GBP directly via a transfer service with a good rate rather than letting the receiving bank convert. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.
What a transfer to United Kingdom really costs
A bank transfer to United Kingdom often costs more than you think. You pay a transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate when currencies differ.
The real cost is often in the rate, not in the fee – the bank builds a margin into its rate. A simple test: set the rate you get next to the mid-market rate and look at the difference.
Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares these providers next to each other so you can see the amount that reaches the recipient.
HSBC Bank PLC and its SWIFT codes
Of the 4648 banks in United Kingdom, HSBC Bank PLC has the most codes. Its main office has HBUKGB41XXX; that is usually the right code for a transfer.
Practice differs in whether they register branch codes – a high count is not a measure of size. Making a payment to HSBC Bank PLC? Go with HBUKGB41XXX unless a specific branch code is requested.
Paying in euros to United Kingdom
Inside SEPA, euro payments to United Kingdom use the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.
You still need the BIC when sending payments in other currencies or money from outside the SEPA area. Instant payments in euros are widely available across SEPA. Costs stay low as long as everything stays in euros – conversion is what costs money.
How SWIFT codes from United Kingdom are built
Every SWIFT/BIC code has eight or eleven characters, always in the same order. The first four letters identify the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.
No matter which bank, all United Kingdom codes have the same country code in positions five and six: the ISO code of the country. A code with a different country code come from a bank abroad, even if the bank name looks familiar.
If the last three are XXX, it refers to the main office. For most transfers the head office code is fine unless the recipient asks for a specific branch.
Incoming international payments in United Kingdom
A sender in another country will ask for several details from you. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.
The code of your bank appears in our list but always compare it with your own bank details. Some sending banks may also ask for the name and address of your bank; it does no harm to include it.
The amount you receive is often less than the amount sent. Fees for incoming transfers vary from bank to bank – your bank’s price list tells you what applies. Agree with the sender who pays which costs.
Filter: banks in United Kingdom with :letter
The letter filter limits the list down to banks in United Kingdom starting with :letter. The totals mentioned above always cover the whole country and not only this selection.
Cannot find the bank? The registered name might begin with another word, for example the full legal name rather than a brand name. The complete list remains one click away if the letter filter does not help.
How reliable is this list?
The safest source for the BIC is the bank details provided by the recipient: an invoice, a statement or their online banking. An incorrect BIC can cause delays, a returned payment or additional charges.
We collect SWIFT/BIC codes using public sources and update our list regularly. Banks merge, change names and change codes – a directory can be a step behind. Treat this list as a reference: the bank details from the recipient come first. GoldexPay is not a bank and has no link to the banks in this list.
Scammers often use fake invoices carrying changed bank details. Always confirm changed details by phone on a number you know.
Frequently asked questions
How many banks in United Kingdom have a SWIFT/BIC code?
Our directory lists 4,648 banks and financial institutions in United Kingdom with 20,757 SWIFT/BIC codes, including branches and departments.
How long does a transfer to United Kingdom take?
SEPA payments usually arrive within one business day, instant payments within seconds. Other currencies take 1–3 business days.
Do I need a SWIFT code to send money to United Kingdom?
Not for euro payments: United Kingdom is part of SEPA, so the IBAN is enough. When you send a different currency you need the SWIFT/BIC code.
Which bank in United Kingdom has the most SWIFT codes?
The largest number of codes belongs to HSBC Bank PLC: 3591 in our database. The head office uses HBUKGB41XXX.
How do I find the right SWIFT code for a bank in United Kingdom?
Ask the recipient or look up the bank in the list on this page. If no branch is specified, use the head office code ending in XXX.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.