What is the difference between an IBAN, SWIFT, and BIC code?

When making an international bank transfer or looking up your own account details, you will usually be asked for these routing codes to ensure the money reaches the right destination. Here is what they actually mean:

IBAN (International Bank Account Number): This identifies your specific, individual bank account in a standardized global format. It contains your country code, bank code, and account number all in one long string.
SWIFT Code: This identifies your specific bank and branch on a global level, but not your personal account.
BIC (Bank Identifier Code): This is actually the exact same thing as a SWIFT code! The terms are used completely interchangeably in the banking world.

Looking for your specific bank codes? The safest way to find your exact IBAN or SWIFT/BIC is to log into your official banking app and check your account statement, or use an official [IBAN Calculator / Lookup Tool].

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