الرئيسية ›
Ohmyfin يجيب ›
What is the difference between a BIC and a SWIFT code?
Ohmyfin يجيب: What is the difference between a BIC and a SWIFT code?
إجابة Ohmyfin أدناه (باللغة الإنجليزية).
They are the same thing. BIC (Business Identifier Code) is the official ISO 9362 term; SWIFT code is the everyday name because S.W.I.F.T. SC operates the BIC registry. Both refer to the 8 or 11-character alphanumeric code that uniquely identifies a bank branch worldwide, for example DEUTDEFFXXX for Deutsche Bank Frankfurt head office.
A BIC has up to four parts: 4 letters bank code + 2 letters ISO country code + 2 alphanumeric location code + optional 3 alphanumeric branch code. 8-character form (BIC8) identifies the head office; 11-character form (BIC11) identifies a specific branch — XXX as the branch code also means head office.
BIC is what tells a SWIFT payment which bank to land at. IBAN tells it which account at that bank. You need both for any cross-border credit transfer (BIC may be optional for some intra-SEPA payments under the SEPA Instant rulebook).
Look up any BIC for free on Ohmyfin's correspondent-banks directory — search by code, bank name, or country.
BIC = SWIFT code = same thing (ISO 9362)
Format: 4 bank + 2 country + 2 location [+ 3 branch] = 8 or 11 chars
Identifies the bank/branch; IBAN identifies the account
Look up any BIC free on Ohmyfin's correspondent-banks directory
What is the difference between a BIC and a SWIFT code?
They are the same thing. BIC (Business Identifier Code) is the official ISO 9362 term; SWIFT code is the everyday name because S.W.I.F.T. SC operates the BIC registry. Both refer to the 8 or 11-character alphanumeric code that uniquely identifies a bank branch worldwide, for example DEUTDEFFXXX for Deutsche Bank Frankfurt head office.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin يجيب
هل Ohmyfin مجاني؟
نعم، تتبع مدفوعات SWIFT عبر UETR مجاني دون الحاجة إلى تسجيل. يمنحك الحساب المسجل سجلاً يومياً وأرصدة مجانية إضافية.
ما هو رقم UETR؟
UETR (المرجع الفريد للمعاملة من الطرف إلى الطرف) هو معرّف UUID مكون من 36 حرفاً يُعيَّن لكل دفعة SWIFT GPI لتتبعها عبر سلسلة المراسلين.
كم يستغرق التحويل عبر SWIFT؟
تُكتمل معظم مدفوعات SWIFT GPI في غضون 24 ساعة؛ قد تستغرق التحويلات الدولية من 1 إلى 5 أيام عمل حسب البنوك الوسيطة والعملة.