Microsoft Corporation SWIFT/BIC code

Microsoft Corporation SWIFT code: MSFTUS66

The short code MSFTUS66 and the full code MSFTUS66XXX identify one and the same institution: Microsoft Corporation in Redmond,wa, United States. The code has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mostly when dealing with payments that cross a border.

Below you will find the practical questions: money coming in from abroad, sending money abroad and how to check the code before you hit send. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Scams that use SWIFT codes

Scammers often send payment requests containing new bank details, sometimes in an email that looks completely genuine. That MSFTUS66 is a real code does not mean that the account is legitimate.

Before paying, verify changed bank details through a phone call on a number you know, not one from the message. Urgency and secrecy are red flags – a real supplier can wait a day. If money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. Do not act before the money has really arrived – ask Microsoft Corporation if something looks wrong.

Head office or branch code at Microsoft Corporation?

With 3 codes in 1 cities, Microsoft Corporation belongs to the banks that register separate codes for branches and departments. The main code is MSFTUS66XXX.

Unless the recipient tells you otherwise, use MSFTUS66XXX. When you receive a branch code, use it as it is rather than swapping it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Transfer times and tracking a payment to Microsoft Corporation

There is no single delivery time for international payments: many land within a day while others need several business days. Payments made after the cut-off time or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Keep your transfer receipt until the money has arrived.

Only the sending bank is able to request a trace or a recall. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

The US Dollar and what conversion costs you

United States pays in the US Dollar. A payment in a foreign currency will be exchanged into USD – and the bank that does it picks the rate. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Transferring the money already in USD usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The rate for USD changes constantly, 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.

MSFTUS66 or MSFTUS66XXX – which one to use?

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that mark the location. The result is MSFTUS66.

Many banks and apps accept both lengths. If yours requires eleven characters, use MSFTUS66XXX, otherwise MSFTUS66 is fine.

Leave out spaces, dots when you enter MSFTUS66; the code is always written in one block. A single character may route a payment to a different institution, so copy it carefully.

Paying someone abroad from your Microsoft Corporation account

What you pay for a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. Besides the transfer fee, banks in between can deduct a fee, and if currencies are converted, the bank usually uses a rate below the actual market rate.

That exchange rate margin is often the biggest cost because it is hidden in the rate. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, it is worth to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require leaving Microsoft Corporation.

A note on our data

The directory on GoldexPay draws on public sources and we update it periodically. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes come from our directory and may differ from what Microsoft Corporation publishes.

Treat our data as a reference, rather than as the last word. GoldexPay is an independent comparison site and not affiliated with Microsoft Corporation. Found outdated information? Let us know through the contact page and we will look into it.

Incoming international payments to Microsoft Corporation

If you expect money from abroad, send the payer everything they need in one go. That means: your name as registered with Microsoft Corporation, your account number or IBAN, the SWIFT/BIC code MSFTUS66XXX (or MSFTUS66) and sometimes your address.

Some sending banks also ask for the address of Microsoft Corporation in Redmond,wa. A typo in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank – the price list of Microsoft Corporation tells you what applies. For business payments, you can agree who bears the costs.

Before you send: check the Microsoft Corporation code

Ask the recipient to copy their account details directly from their banking app. Check that code with MSFTUS66 on this page; if they differ, ask before you pay.

An incorrect BIC may lead to delays, a returned payment or additional charges along the way. A mistake in the IBAN or account number is a bigger problem, so check that just as carefully.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Some banks now check the name with the account. A small test payment can be worth it for a large first payment.