State Bank of India (California) SWIFT/BIC code

State Bank of India (California) SWIFT code: SBCAUS6L

Whether you are given SBCAUS6L or SBCAUS6LXXX, it is the identical address for State Bank of India (California) in United States. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. In practice you mostly come across it on invoices from abroad, in your banking app and in the bank details that State Bank of India (California) provides.

On this page you can read how the code is put together, when you need it and which other details you need for a transfer to or from State Bank of India (California). A SWIFT code names a bank or branch, not a single account; the IBAN or account number does that.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a message saying that a company now has a new bank account and that the next payment should go there. The fact that SBCAUS6L exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check changed bank details via a separate channel, such as a phone number you already know. Pressure and secrecy are red flags; a genuine business can wait for you to check. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment followed by a request to send back the difference. Do not act before the money is actually in your account and check with State Bank of India (California) if anything seems off.

The US Dollar and what conversion costs you

Most accounts at State Bank of India (California) are typically held in USD, the local currency. If you send another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or State Bank of India (California) itself. Every conversion costs the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Sending the money directly in USD usually prevents an extra conversion – as long as your own rate is good.

Rates for USD move during the day, and some providers let you lock in a rate. On larger amounts, a seemingly small difference in the rate adds up quickly.

About this information

We gather bank codes using public sources and update our list regularly. Even so, banks merge or retire codes and our data may lag behind. Counts and locations are from our own dataset.

Treat our data as a starting point, not as the last word. We are a comparison site and not affiliated with State Bank of India (California). Found an error? Let us know through the contact page so we can correct it.

What a transfer from State Bank of India (California) abroad really costs

What you pay for an international transfer is made up of several parts – not just the fee on your screen. On top of the transfer fee, banks in between can deduct a fee, and if currencies are converted the bank often uses a rate that is less favourable than the real market rate.

Many banks do not show their exchange rate markup separately. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth comparing the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving State Bank of India (California) – you pay the provider from your own account.

Which of the 11 codes of State Bank of India (California) do you need?

Our directory lists 11 SWIFT/BIC codes for State Bank of India (California). Besides the head office code SBCAUS6LXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with SBCAUS6LXXX or its short form SBCAUS6L. Only use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

How long does an international transfer to State Bank of India (California) take?

How fast a payment arrives at State Bank of India (California) is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made late in the day or just before a weekend or public holiday usually go out a business day later. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, ask your bank about the status and the transaction reference so they can trace it along the chain. Money transfer services usually show a status online showing where the money is.

If the money does not arrive within the expected time, the sender needs to contact their own bank. Ask the sender for a copy of the payment confirmation including the reference.

What the XXX in SBCAUS6LXXX means

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that mark the location. Combined, those parts form SBCAUS6L – the version you usually see online.

Many payment forms accept both lengths. If yours requires eleven characters, use SBCAUS6LXXX; if it wants eight, use SBCAUS6L.

As a rule the code is typed in capitals. Watch for the letter O and the digit 0 and I versus 1, a common source of typos.

How to check SBCAUS6L before you pay

The best place to find the right code remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match SBCAUS6L or SBCAUS6LXXX, stop and ask – contact the recipient or State Bank of India (California).

Errors in the SWIFT code are annoying more than disastrous: often the payment comes back, minus fees. An error in the IBAN or account number can be more serious.

An automatic check in your banking app only confirms that the IBAN is valid. If your bank offers it, a payee name check on the recipient gives extra certainty. When you pay someone new, some people send a small test amount before sending the rest.

Receiving money from abroad at State Bank of India (California)

If you expect a payment from another country, send the payer a complete set of details. The basics are: your name, account number or IBAN, SBCAUS6LXXX and, for some countries, your home address.

It helps to include the bank name and its city as well, since some forms ask for it. A typo in your account number can be harder to fix than it looks.

What lands in your account is often lower than what was sent. Correspondent banks can take a fee, State Bank of India (California) may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. For business payments, it is common to agree how the fees are split, so that nobody is left short.