Ohmyfin menjawab: What is the difference between a BIC and a SWIFT code?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
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 menjawab
Apakah Ohmyfin gratis?
Ya, pelacakan pembayaran SWIFT via UETR gratis tanpa pendaftaran. Dengan akun Anda mendapatkan riwayat harian dan kredit gratis tambahan.
Apa itu nomor UETR?
UETR (Referensi Transaksi Unik End-to-End) adalah UUID 36 karakter yang ditetapkan untuk setiap pembayaran SWIFT GPI untuk melacaknya melalui seluruh rantai bank koresponden.
Berapa lama transfer SWIFT?
Sebagian besar pembayaran SWIFT GPI selesai dalam 24 jam; transfer lintas batas dapat memakan waktu 1-5 hari kerja tergantung bank perantara dan mata uang.