Developers
Pricing
Home
Tools
SWIFT/BIC Code Finder

SWIFT / BIC Code VCTKSES2XXX | Vista Capital Trust Kommanditbolag Verified

Check your bank’s SWIFT/BIC code or search for the right one to receive or send international payments.

Sending money using VCTKSES2XXX? Try Xflow instead.

Avoid SWIFT fees, delays, and hidden FX markup. Send directly to the bank with Xflow at live mid-market rates.

Browse by Popular Countries

Browse by Popular Banks

What is a SWIFT Code?

SWIFT (Society for Worldwide Interbank Financial Telecommunication) code is a unique identifier used by banks for international money transfers. It allows banks to communicate securely with each other and ensures that funds are routed to the correct bank and branch.

Benefits

  • 01
    Global Recognition: Recognized by banks and financial institutions worldwide for verified transfers.
  • 02
    Security: Ensures funds are routed to the correct bank and branch, minimizing transfer errors and risks.
  • 03
    Speed:  Enables quicker and reliable processing of international payments across global banking networks.
  • 04
    Standardization: Provides a uniform format that simplifies and streamlines global payment communication.

Use-cases

  • 01
    Used by individuals and businesses to receive overseas payments accurately and without delays.
  • 02
    Helps organizations send payments to international partners or suppliers securely and on time.
  • 03
    Enables users to validate a bank’s SWIFT code before initiating cross-border transfers.
  • 04
    Used by platforms and companies to manage large-scale or recurring international payments efficiently.

Save more on your international payments

Compare Xflow's transparent pricing against traditional banks

Calculate your extra earning

logo

FX rate

INR amounts with others

logo

FX rate

Banks

FX rate

Disclaimer: Last updated at

Understanding the SWIFT Code format

SWIFT codes follow a standardized format of 8 or 11 characters that identify banks worldwide. Here's how they break down:

  • 01
    Bank Code: 4 letters representing the bank, often resembling an abbreviation of the bank’s name.
  • 02
    Country Code: 2 letters representing the country (ISO standard code).
  • 03
    Location Code: 2 letters or digits identifying the bank’s city or location.
  • 04
    Branch Code: 3 letters or digits (optional) identifying a specific branch. XXX denotes the bank’s primary office.
swift code

Getting payed from abroad, in four steps

Built for Indian businesses serving international clients, without the usual banking delays or fees.

Open a virtual account

Get a USD virtual account under your business's name. Easy and quick onboarding process.

Get paid like a local wire

Your overseas clients pay you the way they'd pay any US vendor. Funds arrive fast with no additional fee cuts.

Convert at 0% markup

Your USD converts to INR at the live mid-market rate. Get fully transparency on pricing and fees.

Settle to your Indian account

Funds land directly in your business account, fully RBI and FEMA compliant, within a day.

Skip the SWIFT fees. Receive money using Xflow.

Xflow lets you receive international payments directly, quickly, affordably, and without hidden fees.

Xflow vs SWIFT

Why Xflow is a smarter and more efficient alternative to SWIFT for international payments.

Feature

Speed

Same or next day

1–5 days

Fees

Transparent pricing

High and unpredictable

Tracking

Real time

Limited

Exchange rates

Mid-market rate (MMR)

Limited

Success stories powered by Xflow
How TeachEdison scaled international transactions with lower costs using Xflow

savings on costs compared to SWIFT

“Finding a reliable fintech partner is not just about saving costs, it’s about trust, responsiveness, and long-term alignment. Xflow has supported us..."

Neeraj Krinshnamoorthy

Neeraj Krishnamoorthy

Director & Co-Founder at TeachEdison

View Case Study
DevRev Case Study

savings on FX costs

"Great support, smooth process, and an amazing team. Xflow has made our cross-border payments far more efficient and stress-free...”

Sarah Johnson

Divya Nagabushana

Member of Finance at DevRev

View Case Study
How iGeek Saved 20% on Global Payments with Xflow

saved on fees compared to other providers

"Xflow has been a game changer! Withdrawals are seamless and the FX AI tool is unlike anything else. Support is exceptional."

John Smith

Vatsal Sonani

CEO at iGeek

View Case Study
Elbroz Case Study

savings on transaction fees

"Xflow has been a game-changer for us. Payments that used to take days now settle in under 24 hours, and the FX AI Analyst allows us to withdraw at exactly the rates we want..."

Mayank Pandey

Mayank Pandey

Founder & Director at Elbroz Media Pvt Ltd.

View Case Study
Innovaccer Case Study

savings on transaction fees

"Xflow has been a game changer. We saved lakhs in FX and were able to handle EDPMS seamlessly. Rare to find such a partner."

Kaukab Parvez Khan

Kaukab Parvez Khan

Senior Treasury Manager at Innovaccer

View Case Study

20,000+ Customers Trust Us For Their International Payments

Frequently asked questions

A SWIFT code is a unique identifier code that helps the transacting banks recognize each other during international money transfers. It’s usually 8 or 11 characters long and includes details such as the bank’s name, country, and branch.
You can find your bank’s SWIFT code using Xflow’s SWIFT Finder tool. Just enter your bank name and country to get the correct code instantly. You can also check your bank statement or online banking page for confirmation before sending an international transfer.
No, SWIFT and IFSC codes are not the same. SWIFT codes are used for international transactions, while IFSC codes are used for domestic transfers within India through methods such as NEFT, RTGS, or IMPS. Both the codes help in identifying banks, but they work in different payment systems.
Yes, SWIFT code and BIC (Bank Identifier Code) are the same. “SWIFT” is the network that assigns these codes, and “BIC” is the official term used in the ISO standard.
No, all banks do not have SWIFT codes. Only banks and branches that handle international payments are assigned one. Smaller banks or local branches may be using the SWIFT code of a correspondent or partner bank for cross-border transactions.
When an international transfer is made, the SWIFT code helps route the payment to the correct bank. It ensures that the funds reach the intended institution securely and accurately.
An 8-character SWIFT code identifies the bank and country, and defaults to the head office. An 11-character code adds a 3-character branch suffix for routing to a specific branch. When you see "XXX" as the suffix, it still refers to the head office.
No, for SEPA payments within the Eurozone, only an IBAN is required. However, for international wire transfers outside the SEPA zone, a SWIFT/BIC code is mandatory.
Yes. SWIFT codes can change following a merger, acquisition, branch closure, or rebranding. Always verify the current code with the recipient bank before initiating high-value transfers.
The transfer may be rejected and returned, or in some cases misrouted to the wrong bank. Returns typically take 3–7 business days. Investigating and recovering a misrouted wire can involve a tracer fee (typically $25–$75) and may take 2–4 weeks.
Yes. US banks use SWIFT/BIC codes for international transfers and ABA routing numbers for domestic transactions. Some US banks have separate SWIFT codes for USD wires versus foreign currency (FX) wires. You need to confirm which applies before sending.
Yes. To receive an international wire into an Indian bank account, you typically need to provide the bank's SWIFT code, your account number, the IFSC code, and an RBI-mandated purpose code. The purpose code is required for the bank to issue a FIRC (Foreign Inward Remittance Certificate), which serves as proof of foreign remittance.
MT103 is the standard SWIFT message format used for international single customer credit transfers. It contains full transaction details including details of the sender, recipient, amount, currency, and charges and is commonly used as proof of payment.
No. SWIFT codes are used exclusively for traditional bank-to-bank wire transfers. Cryptocurrency transactions operate on separate blockchain networks and do not use SWIFT infrastructure.
When two banks don't have a direct relationship, a correspondent (intermediary) bank facilitates the transfer between them. The correspondent bank's SWIFT code identifies this intermediary in the transaction chain. Correspondent banks typically deduct a lifting charge ($10–$30) from the transfer amount, which is why the recipient may receive slightly less than the amount sent.

Do you also need an IBAN Code?

Many transfers require both IBAN + SWIFT, check out our IBAN validator to validate your IBAN quickly.

Xflow

Data Source

SWIFT/BIC data cross-checked against publicly available banking references and institution-published information.

Last Reviewed: 20/05/2026

More tools by Xflow
USD / INR Currency Converter

USD / INR Currency Converter

See how much you will receive in INR when converting a specific USD amount