Nmb Bank Limited SWIFT/BIC code

What NMBLZWHX means for a payment to Nmb Bank Limited

The short code NMBLZWHX and the 11-character code NMBLZWHXXXX refer to the same bank: Nmb Bank Limited. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right bank. It comes up mostly when dealing with payments that cross a border.

Further down we go through the practical questions: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

About this information

This directory draws on publicly available sources and is updated regularly. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our own dataset and are not confirmed by Nmb Bank Limited.

See our directory here as a helpful check, and let the details from the recipient or Nmb Bank Limited have the final say. GoldexPay has no connection to Nmb Bank Limited. Should you notice something that is out of date, we appreciate a short note.

Choosing between the 2 SWIFT codes of Nmb Bank Limited

We have 2 SWIFT/BIC codes for Nmb Bank Limited. Next to the head office code NMBLZWHXXXX, there are codes for branches, departments or specific services.

For most incoming transfers, the head office code NMBLZWHXXXX is the right choice. Just use a branch code when the account holder explicitly asks for it.

If you are not sure, ask the person you are paying which code their bank gave them. Codes are sometimes changed or retired over time.

Sending money abroad from Nmb Bank Limited

What you pay for an international transfer is made up of several parts. On top of a fixed fee, banks in between may take a cut, and when the money changes currency the bank often applies a rate below the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate that includes a margin. Compare the rate you are offered with the mid-market rate.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets before you commit. Choosing a specialist does not mean closing your account at Nmb Bank Limited.

Tracking a transfer to or from Nmb Bank Limited

How fast a transfer arrives at Nmb Bank Limited is determined by several factors: the currency, the number of banks in between, cut-off times and time zones. Weekends and public holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment is traced from the sending side, using the payment confirmation. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Before you send: check the Nmb Bank Limited code

Have the recipient copy the account details straight from their banking app. Check that code against NMBLZWHX on this page and ask if anything does not match.

With a wrong code, the transfer might get stuck, be returned or cost extra. Remember the account number: a mistake there can be harder to correct than a wrong BIC.

An automatic check by your bank only tells you that the IBAN exists, not that it is the right account. Where available, a payee name check before sending gives an extra layer of safety. For a first payment, some people start with a small test amount before sending the rest.

What the XXX in NMBLZWHXXXX means

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. Together, those parts form NMBLZWHX.

Most payment forms accept both lengths. If yours asks for eleven characters, enter NMBLZWHXXXX.

Leave out spaces, dots when you enter NMBLZWHX; the code is always written in one block. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Receiving money from abroad at Nmb Bank Limited

Someone abroad who wants to pay you needs several details from you – incomplete details often cause delays. In practice that means: your name as registered with Nmb Bank Limited, your account number or IBAN, the BIC NMBLZWHXXXX and sometimes your address.

You can add Nmb Bank Limited and Harare too, because some payment forms have separate fields for them. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. On invoices, you can agree how the fees are split to avoid a shortfall.

Scams that use SWIFT codes

Be wary when a contact unexpectedly asks you to send money to a different account or a bank in another country. That NMBLZWHX is a real code does not mean that a request mentioning it is legitimate.

Verify new bank details via a separate channel, such as a phone number you already know, never via the email that asked for the change. Pressure and secrecy are warning signs. Already paid? Call your bank straight away and ask them to try to recall the payment and report the fraud.

Recipients are targeted too: a classic trick is an overpayment followed by a request to send back the difference. A screenshot of a transfer is no proof – check your own account.