Icici Bank Limited SWIFT/BIC code

What ICICUS3N means for a payment to Icici Bank Limited

Whether a recipient gives you ICICUS3N or ICICUS3NXXX, it is the same identifier for Icici Bank Limited in United States. A BIC does one job: it ensures that money from abroad reaches the right bank. It comes up mainly for payments that cross a border or a currency.

This page is meant to help people who sends money to an account at Icici Bank Limited and wants to get the details right. The SWIFT code alone does not identify a personal account; for that you need the account number or IBAN .

Protect yourself against fake payment requests

A common scam goes like this: you receive a message claiming that a supplier has new bank details and that the next payment should go there. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Always confirm a change of bank details through a phone call on a number you know, not one from the message. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. When money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also work the other way. Someone claims to have sent more than agreed and asks you to return the extra. A payment confirmation from the sender proves nothing.

Sending USD to Icici Bank Limited

Accounts at Icici Bank Limited are usually held in USD, the national currency. If you send money in a different currency has to be converted at some point – by your bank, by Icici Bank Limited or by a bank in between. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects the final amount, as rates and margins differ per bank. Often you pay less to send USD directly through a transfer service with a good rate, so that the receiving bank does not need to convert again.

The rate for USD fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, a small gap in the rate can be worth more than the fee.

How to check ICICUS3N before you pay

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. Check that code against ICICUS3N here; if they differ, ask before you pay.

With a wrong code, the transfer might be delayed, bounce back or end up costing more – sometimes after weeks of searching. Do not forget the account number: a mistake there can be more difficult to undo than a wrong code.

A format check by your bank merely tells you that the code is valid – not that it belongs to the person you mean to pay. Where available, a name check before sending adds an extra layer of safety. When you pay someone new, some people start with a small test amount.

Which of the 3 codes of Icici Bank Limited do you need?

Icici Bank Limited has 3 separate SWIFT/BIC codes across 1 cities. One of them is the head office code, ICICUS3NXXX; the rest identify branches.

For most incoming transfers, the head office code ICICUS3NXXX is what you need. Only use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

The best way is to take the code straight from the recipient’s bank details. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

What the XXX in ICICUS3NXXX means

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, characters five and six show the country and characters seven and eight mark the location. That gives you ICICUS3N for Icici Bank Limited.

Many payment forms work with both lengths. If a form asks for eleven characters, use ICICUS3NXXX.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Watch for the letter O and the digit 0 and the letter I and the digit 1.

About this information

The codes here come from publicly available data. Banks reorganise, change names and retire codes, and a directory never catches every change immediately. The figures on this page are based on what is in our directory and not on information from Icici Bank Limited itself.

Treat the information on this page as a helpful check, and let the details from the recipient or Icici Bank Limited have the final say. GoldexPay has no connection to Icici Bank Limited, we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

What to give a sender who pays you at Icici Bank Limited

To receive an international payment into your account at Icici Bank Limited, the person paying you needs more than the SWIFT code. What they need is: the account holder’s name, account number or IBAN, ICICUS3NXXX and in many cases your postal address.

The sender’s bank may request the address of your bank. Check each detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive is often less than what was sent. Charges on incoming payments vary per bank. For business payments, you can agree how the fees are split, so that nobody is left short.

International transfers from Icici Bank Limited: the real cost

If you transfer money abroad from Icici Bank Limited, the visible fee is rarely all of the cost. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the biggest cost even though it is not listed as a fee. Compare their rate with the mid-market rate. The difference is your real conversion cost.

Money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives across providers. Choosing a specialist does not mean closing your account at Icici Bank Limited.

Transfer times and tracking a payment to Icici Bank Limited

An international transfer typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Payments made late in the day or on a weekend or public holiday usually start the next business day. Extra checks by one of the banks can also cause some delay, even when all details are correct.

When a payment takes longer than expected, ask your bank about the status or the UETR. Save the payment confirmation – you will need it for any trace request.

The bank that sent the money can request a trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can look at your account to see a partial amount, since fees may have been deducted.