Revolut LTD SWIFT/BIC code

What REVOGB21 means for a payment to Revolut LTD

REVOGB21 and REVOGB21XXX are the short and the long form of the same SWIFT/BIC code, and both lead to Revolut LTD in London. A SWIFT code tells every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. It comes up mainly when dealing with transfers between countries or a currency.

On this page we explain what the code means, when you need it and which other details you need for a transfer to or from Revolut LTD. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN does that part.

Where our SWIFT data comes from

This directory is compiled from public sources and is updated regularly. It is possible that information here is no longer current, for example after a merger. The figures on this page reflect what is in our directory, not official figures from Revolut LTD.

Before any payment of any size, confirm the BIC with the recipient’s bank or with the recipient. We are an independent comparison service and not part of Revolut LTD. If you notice a mistake, we welcome a short note via the contact page.

Getting paid from abroad into a Revolut LTD account

When you are waiting for money from abroad, give the sender a complete set of details. In practice that means: your full name as registered with Revolut LTD, your account number or IBAN, the BIC REVOGB21XXX and sometimes your address.

Their bank might also ask for the bank address of Revolut LTD; the head office in London is usually fine. Double-check the details before you share them.

The amount you receive is often lower than the amount sent. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. On invoices, it is common to agree how the fees are split.

SEPA payments and the Revolut LTD BIC

Inside SEPA, euro transfers to an account in United Kingdom follow common rules and in most cases need only the IBAN. A field for the BIC is usually optional or missing for those payments.

For anything other than euros and from non-SEPA countries, REVOGB21XXX remains part of the payment details. Some forms also ask for the BIC; in that case, enter REVOGB21 or REVOGB21XXX.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Fees for SEPA transfers are generally low as long as everything stays in euros.

8 or 11 characters: REVOGB21 versus REVOGB21XXX

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. In this case, that core is REVOGB21.

The long version has three more characters for a branch or department. When those three characters are XXX, the code points to the head office, which is why REVOGB21XXX and REVOGB21 lead to the same place.

As a rule the code is written in capitals, without spaces or dashes. A wrong character can send the money to a different institution, so check it twice.

Protect yourself against fake payment requests

A common scam goes like this: an email arrives with a message claiming that a contact now has new bank details and asking you to pay there from now on. A correct SWIFT code says nothing about whether the request is genuine.

Verify changed payment details through a separate channel like a call to a number from an earlier contract. Pressure or secrecy tend to be warning signs. Already paid? Call the bank you paid from straight away and have them try to recall the payment; also report it to the police.

Fraud also work the other way: someone sends more than agreed and asks you to return the difference to a new account. Wait until the money has really arrived – ask Revolut LTD if something looks wrong.

Transfer times and tracking a payment to Revolut LTD

How quickly a payment reaches Revolut LTD is determined by a few things: the currency, the number of banks in between, cut-off times and time zones. Weekends and public holidays in either country add extra days to the journey. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

If a transfer is late, ask your bank about the tracking status or the UETR. Keep the payment confirmation.

If a payment has not arrived after a few business days, the sender should start with their own bank, not the receiving bank. Ask the sender for the payment receipt – it helps your own bank look for the money.

Is REVOGB21 still correct? How to check

Have the recipient send you the account details straight from their banking app. When the code you were given differs from REVOGB21 or REVOGB21XXX, do not guess.

With a wrong code, the transfer may get stuck, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number can be a bigger problem, so check that just as carefully.

Most online banking apps validate the structure of an IBAN. If your bank offers it, a name check before sending adds extra certainty. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

Paying someone abroad from your Revolut LTD account

The price of a payment abroad has several parts – not just the fee on your screen. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

The markup on the rate is often the biggest item, and it is easy to miss. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. Next time you send money, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Revolut LTD to fund the transfer.

Head office or branch code at Revolut LTD?

We have 2 SWIFT/BIC codes for Revolut LTD, spread over 1 locations. Next to the head office code REVOGB21XXX, there are codes for branches, departments or specific services.

If nobody asks you for a branch code, use REVOGB21XXX. When you receive a specific code, stick to it rather than swapping it for the head office code.

Not sure which code applies? Check with the recipient, or look at a recent statement from Revolut LTD. Codes can change when banks reorganise, so a code from an old document is not always valid.

British Pound (GBP) and conversion costs

United Kingdom uses the British Pound, code GBP. If you send money in a different currency it has to be converted at some point. There is rarely a separate charge for the conversion.

Where the conversion happens affects the final amount. Often you pay less if you send GBP directly via a transfer service with a good rate.

Rates for GBP move during the day. If you pay regularly, a slightly better rate add up over a year.