SBI SWIFT Code Guide 2026: How to Find Your Branch BIC Code

Let’s assume that you are living in USA and want to send money to your SBI account tin India— the first thing your bank will ask for is a SWIFT code. Most people don’t know about what swift code is and how to get. So this guide answers all of that.

You will know exactly which SBI SWIFT Code to share, how to find your branch-specific code when you need one, what other details the sender’s bank will ask for, and what the charges and timelines look like in 2026.

What Is an SBI SWIFT Code?

A SWIFT code — also called a BIC (Bank Identifier Code) — is a unique international code that identifies your bank during a cross-border money transfer.

If you want to send money from the USA, UK, Canada, or anywhere else, their bank uses the SWIFT code to route the funds to the correct bank and branch.

Think like a postal address for your bank. Without it, you cannot transfer your money.

The primary SWIFT code of SBI bank is SBININBB — this code is registered to the SBI head office at The Arcade, World Trade Centre, Cuffe Parade, Colaba, Mumbai.

Important: Although IFSC codes and SWIFT codes are both used to transfer money, they serve different purposes. Both help banks route funds to the correct destination, but the type of transaction is different.

Quick Difference Between SWIFT code and IFSC Code

A SWIFT/BIC code is used for international money transfers. For example, if someone living outside India wants to send money to your SBI account, the sending bank will usually require the SBI SWIFT code.

An IFSC code, on the other hand, is used for domestic bank transfers within India. Whether you’re transferring money through NEFT, RTGS, or IMPS from one Indian bank account to another, you’ll need the recipient’s IFSC code.

SBI SWIFT Code Format — Decoded

Every SBI SWIFT code follows the same 8 or 11 character structure:

S B I N  I N  B B  [branch code]│         │   │   │   └── Branch code (3 digits) or XXX for head office│         │   │   └────── Location code (BB = Mumbai head office)│         │   └────────── Country code (IN = India)│         └────────────── Bank code (SBIN = State Bank of India)

8-character code (SBININBB): Points to SBI’s head office. Works for most retail inward remittances.

11-character code (e.g. SBININBB011): Points to a specific forex-enabled SBI branch. Required for larger transfers above USD 25,000.

Which SBI SWIFT Code Should You Use?

This is where most people get confused. Here is a simple rule:

• For remittances up to USD 25,000 (or equivalent): Use SBININBBXXX
• For remittances above USD 25,000 (or equivalent): Use SBININBBXXX or nearby bank code.

Verified SBI SWIFT Codes for Major Branches

Forex-enabled SBI branches have unique 11-character codes following the SBININBB + branch code format. The last three digits are what differ from branch to branch.

Here are SWIFT codes for commonly used SBI branches.

Note:- Always verify your branch code directly with your SBI branch or on the official SBI SWIFT code directory before using it for a transfer:

Where to find your specific branch SWIFT code:

• Your SBI account passbook or bank statement
• The official SBI SWIFT code directory at sbi.bank.in
• By calling or visiting your SBI home branch directly
• By contacting SBI’s International Remittance Centre (IRC) at ircresponse.fd@sbi.co.in

SBI SWIFT Transfer for NRI Accounts — NRE and NRO

If you are an NRI and having NRE or NRO account in SBI bank here is what you need to know:

• If you receive money into your NRE account use SBININBBXXX code.
• If you want to send money OUT from your NRE account then You don’t need to enter the SBI SWIFT code because SBI is the sender. The bank only needs the recipient bank’s SWIFT/BIC code to deliver the funds to the correct overseas bank. In this case SWIFT outward remittance charges from SBI are ₹590 plus applicable GST.
• If you want to transfer money from your SBI NRO account to a foreign bank account, you can remit up to USD 1 million per financial year, subject to RBI guidelines. SBI processes these transfers through the SWIFT/Wire Transfer network and charges ₹100 plus applicable out-of-pocket expenses. In most cases, you’ll also need to submit Form 15CA and Form 15CB before the remittance can be processed.

Charges for SBI SWIFT Transfers

Here is a clear breakdown of what you can expect to pay:

Common Mistakes That Cause Failed or Delayed Transfers

• Using the wrong or unverified SBI SWIFT/BIC code.
• Entering an IFSC code instead of a SWIFT/BIC code.
• Providing an incorrect SBI account number.
• Not mentioning the purpose of the remittance, when required.
• Not providing correspondent bank details for transfers that require them.
•  Using an outdated SWIFT/BIC code without verifying it with SBI.

Quick Reference Summary

Final Thoughts

Using the correct SBI SWIFT code is straightforward once you know the rule: SBININBBXXX for transfers under USD 25,000, your branch-specific code for larger amounts. The most important step is always to verify the code directly from the official SBI website or your home branch — not from memory or an unverified third-party list.

If you are an NRI using an NRE or NRO account, keep a note of your complete transfer details in one place — account number, branch name, branch address, SWIFT code, and IFSC code — so you can share it instantly whenever a sender needs it. It saves a lot of back-and-forth.

Related guides:

• How to Open an NRE Account with SBI from USA
• NRO vs NRE Account: Which One Do NRIs Actually Need?
• How to Open an NRE/NRO Account from Australia?