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Switzerland's banking system runs on SIC (Swiss Interbank Clearing) and SIC IP (instant payments). The country's currency is the CHF. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Switzerland.
Switzerland runs its domestic interbank settlement on SIC (Swiss Interbank Clearing) and SIC IP (instant payments). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Switzerland: UBS (UBSWCHZH80A, Zürich), Raiffeisen Schweiz (RAIFCH22, St. Gallen), Zürcher Kantonalbank (ZKBKCHZZ80A, Zürich), PostFinance (POFICHBE, Bern), Julius Bär (BAERCHZZ, Zürich).
UBS — SWIFT/BIC UBSWCHZH80A, headquartered in Zürich. Largest Swiss bank; dominant CHF clearer post-2023.
Raiffeisen Schweiz — SWIFT/BIC RAIFCH22, headquartered in St. Gallen. Cooperative banking group; major Swiss retail.
Zürcher Kantonalbank — SWIFT/BIC ZKBKCHZZ80A, headquartered in Zürich. Largest cantonal bank; AAA-rated.
PostFinance — SWIFT/BIC POFICHBE, headquartered in Bern. Postal bank; large retail and SME flows.
Julius Bär — SWIFT/BIC BAERCHZZ, headquartered in Zürich. Pure-play private bank; CHF / multi-currency.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
The largest banks in Switzerland include UBS, Raiffeisen Schweiz, Zürcher Kantonalbank, PostFinance.
UBS's primary SWIFT/BIC is UBSWCHZH80A (head office in Zürich). Branches use 11-character extensions of this code.
SIC (Swiss Interbank Clearing) and SIC IP (instant payments)
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Switzerland (or the international intermediary) is currently holding the payment.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
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