Ohmyfin odpowiada: What is the difference between a BIC and a SWIFT code?
Odpowiedź Ohmyfin poniżej (po angielsku).
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 odpowiada
Czy Ohmyfin jest bezpłatny?
Tak, śledzenie płatności SWIFT po UETR jest bezpłatne bez rejestracji. Konto daje dostęp do dziennej historii i dodatkowych bezpłatnych kredytów.
Co to jest numer UETR?
UETR (Unikalny End-to-End Identyfikator Transakcji) to 36-znakowy UUID przypisany do każdej płatności SWIFT GPI do śledzenia przez cały łańcuch korespondentów.
Ile trwa przelew SWIFT?
Większość płatności SWIFT GPI jest realizowana w ciągu 24 godzin; przelewy transgraniczne mogą trwać 1-5 dni roboczych w zależności od banków pośredniczących i waluty.