Morgan Stanley and Co. International PLC SWIFT/BIC code

MSLNGB2X – the SWIFT/BIC code of Morgan Stanley and Co. International PLC

The short code MSLNGB2X and the full code MSLNGB2XXXX identify one and the same institution: Morgan Stanley and Co. International PLC in London, United Kingdom. Every bank on the SWIFT network uses these codes to direct international transfers to the correct bank. In practice you mostly come across it on invoices from abroad, in your banking app and on the account details that Morgan Stanley and Co. International PLC provides.

On this page we explain how the code means, when you need it and what else you need for a transfer to or from Morgan Stanley and Co. International PLC. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

Receiving money from abroad at Morgan Stanley and Co. International PLC

To receive a transfer from abroad into your account at Morgan Stanley and Co. International PLC, the sender needs not just the BIC. Share the account holder’s name, your account number or IBAN, SWIFT code MSLNGB2XXXX and your address, which some banks require.

The sender’s bank may also ask for the bank address of Morgan Stanley and Co. International PLC. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

The amount you receive can be lower than what was sent. Intermediary banks may deduct a fee, Morgan Stanley and Co. International PLC may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. For business payments, you can state how the fees are split.

Verifying the SWIFT code of Morgan Stanley and Co. International PLC

The most reliable place for the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from MSLNGB2X or MSLNGB2XXXX, do not guess: check with the recipient or with Morgan Stanley and Co. International PLC directly.

If the code is wrong, the transfer may get stuck, bounce back or end up costing more. Remember the account number: an error there can be more difficult to undo than a wrong code.

Most online banking apps check the structure of IBANs, but that does not prove the account belongs to the right person. Where available, a payee name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for large sums, even if it costs an extra fee.

Where our SWIFT data comes from

We collect bank codes using publicly available data and check them regularly. Even so, banks merge or change codes, so information can be out of date. Figures such as the number of codes are from our directory and are not confirmed by Morgan Stanley and Co. International PLC.

Use this page as a starting point, not as the final word. We are a comparison site for money transfers and not part of Morgan Stanley and Co. International PLC. If you notice something that is out of date, we welcome a message via the contact page.

Head office or branch code at Morgan Stanley and Co. International PLC?

Having 38 codes in 2 locations, Morgan Stanley and Co. International PLC is one of the banks that register separate codes for parts of the organisation. The head office code remains MSLNGB2XXXX.

Usually there is no need to look up a branch: transfers sent to MSLNGB2XXXX reach Morgan Stanley and Co. International PLC correctly. Just use a branch code when your contact explicitly asks for it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise.

MSLNGB2X or MSLNGB2XXXX – which one to use?

A BIC is built from fixed blocks: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. Together, these eight characters make up MSLNGB2X – the version you usually see online.

Most payment forms work with either length. If a form asks for eleven characters, use MSLNGB2XXXX.

Do not add spaces or dashes when you type MSLNGB2X. Watch for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

British Pound (GBP) and conversion costs

The national currency of United Kingdom is the British Pound (GBP). Money sent in a different currency will be exchanged into GBP on its way to Morgan Stanley and Co. International PLC – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Who converts the payment matters, because each party uses its own rate. In many cases you pay less if you send GBP straight away via a provider that converts near the mid-market rate.

The rate for GBP changes constantly and quotes are often valid only for a short time. On larger amounts, even small difference in the rate can be worth more than the fee.

Do you need MSLNGB2X for a SEPA transfer?

Within the SEPA zone, euro payments to Morgan Stanley and Co. International PLC follow common rules. A field for the BIC is usually optional or missing in that case.

For anything other than euros and from non-SEPA countries, MSLNGB2XXXX or MSLNGB2X is still part of the payment details. A few banks and apps also show a field for the BIC; in that case, enter MSLNGB2X.

Instant euro transfers have become increasingly available within SEPA; check with Morgan Stanley and Co. International PLC whether it applies to your account. Provided no currency is converted, a SEPA transfer is cheap.

International transfers from Morgan Stanley and Co. International PLC: the real cost

When you send money to another country through Morgan Stanley and Co. International PLC, the fee you see is rarely all of what you pay. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank usually uses a rate below the real market rate.

Many banks do not show the margin on the rate as a cost – you only notice it if you compare. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers often use rates closer to the mid-market rate. GoldexPay compares transfer providers next to each other, showing what actually arrives for the same amount sent. You can always use your account at Morgan Stanley and Co. International PLC.

Watch out for payment fraud

Be alert if someone unexpectedly wants you to send money to another account abroad. The fact that MSLNGB2X exists is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Do not trust contact details in the same message that contains the change. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Acted too fast? Contact your bank straight away and have them start a recall; also report it to the police.

Scams can also target the receiver: someone sends too much and wants you to refund the extra to a new account. Wait until the money is actually in your account – ask Morgan Stanley and Co. International PLC if something looks wrong.

Transfer times and tracking a payment to Morgan Stanley and Co. International PLC

An international transfer typically 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, since banks do not process on those days. Occasionally a bank asks what the payment is for, which can hold things up.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually show tracking in their app showing where the payment is.

If the money does not arrive within the expected time, the person who paid needs to start with the bank that sent it. On the receiving end, it helps to check your account to see a slightly lower amount because fees can reduce the amount.