Bank of Baroda SWIFT/BIC code

BARBGB2L – the SWIFT/BIC code of Bank of Baroda

If an invoice shows BARBGB2L or BARBGB2LXXX, it is the identical identifier for Bank of Baroda in United Kingdom. The code has a single purpose: it ensures that an international payment ends up at the right bank. In daily life you usually see it 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, paying someone in another country and how to verify a SWIFT code before you hit send. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

About this information

The codes on this page are taken from publicly available data which we refresh regularly. Still, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our own dataset and may differ from what Bank of Baroda publishes.

Use this page as a reference, not as the final word: the recipient’s bank details come first. GoldexPay is a comparison service for money transfers and not part of Bank of Baroda. Found an error? Tell us through the contact page so we can correct it.

Receiving money from abroad at Bank of Baroda

For a transfer from abroad into your account at Bank of Baroda, the person paying you has to have more than the SWIFT code. Give them the account holder’s name, your account number or IBAN, SWIFT code BARBGB2LXXX and your address, which some banks require.

You can add the bank name and London as well. A typo in the IBAN is harder to fix than you might think, so copy the details from your online banking.

What lands in your account can be less than what was sent. Fees for incoming transfers vary per bank. Make clear with the sender who covers the fees before the money is sent.

What the XXX in BARBGB2LXXX means

A BIC is built from fixed blocks: the first four letters stand for the bank, characters five and six show the country and the two after that indicate the location. Combined, those parts form BARBGB2L.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, so BARBGB2LXXX and BARBGB2L are interchangeable.

Type the code as one block, in capitals and without separators. Look out for O versus 0 or the letter I and the digit 1.

Verifying the SWIFT code of Bank of Baroda

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have does not match BARBGB2L or BARBGB2LXXX, do not guess.

If the code is wrong, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. An error in the account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Many banking apps check the structure of IBANs, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending gives extra certainty. Sending a small amount first can be a sensible step for large sums.

Changed bank details? Be careful

Be wary if someone unexpectedly wants you to send money to a different account. A real SWIFT code says nothing about whether the request is genuine.

Before paying, verify changed bank details through a phone call. Urgency and requests to keep it quiet are red flags. Already paid? Contact your bank without delay and ask them to try to recall the payment.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference to another account. A payment confirmation from the sender is no proof – check your own account.

Paying Bank of Baroda in euros within SEPA

Within the SEPA zone, euro transfers to an account in United Kingdom follow common rules. A field for the BIC is often optional in that case.

The BIC does come into play for payments in other currencies, and for transfers from outside SEPA. Some forms also ask for the BIC; in that case, fill in BARBGB2L or BARBGB2LXXX.

Euro payments within SEPA usually arrive within one business day. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Bank of Baroda: head office code versus branch codes

Our directory lists 10 SWIFT/BIC codes for Bank of Baroda. Next to the head office code BARBGB2LXXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, go with BARBGB2LXXX. Branch codes are only needed when the account holder specifically asks for it, which is more common for corporate accounts and specialised services.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

What a transfer from Bank of Baroda abroad really costs

When you transfer money abroad via Bank of Baroda, the visible fee is rarely all of what you pay. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted, the bank usually applies a rate below the real market rate.

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. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at Bank of Baroda.

When will the money arrive at Bank of Baroda?

A SWIFT payment typically takes one to a few business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add a day or more. Compliance checks on larger or unusual payments may also cause some delay, regardless of the details.

If a transfer seems delayed, contact the sending bank for the tracking status so they can trace it along the chain. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

A missing payment is traced by the sending bank, using the payment confirmation. As a recipient, you can check your account to see a partial amount.

Sending GBP to Bank of Baroda

The local currency of United Kingdom is the British Pound (GBP). A payment in a foreign currency is converted into GBP before it reaches the account. Each conversion costs something.

Which bank converts the money makes a difference: every bank has its own margin. Transferring the money directly in GBP usually prevents an extra conversion at the receiving end, provided the rate you get is fair.

Rates for GBP change all the time. If you pay regularly, small differences in the rate make a real difference over time.