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

If you are sending money from the USA, UK, Canada, or another country to an SBI account in India, your bank will usually ask for the SBI SWIFT code (BIC) and other beneficiary details. But there is an important point many people miss: the SBI SWIFT code you should provide can depend on the amount of the remittance and whether the beneficiary's SBI branch has its own SWIFT code. According to SBI's current inward-remittance instructions, remittances of up to USD 25,000 or equivalent should use SBININBBFXD. For amounts above USD 25,000, SBI instructs remitters to use the SWIFT code of the beneficiary's home branch. If that branch does not have a SWIFT code, SBI says to use the SWIFT code of a link branch or another nearby SBI SWIFT-enabled branch. This guide explains which SBI SWIFT code to use, how to find your branch-specific BIC, what information your sender needs, and how SBI international transfers work. Key Takeaways

• SBI SWIFT code depends on the type and amount of your international transfer.
• For inward remittances of up to USD 25,000 or equivalent, SBI currently specifies SBININBBFXD.
• For transfers above USD 25,000, SBI instructs remitters to use the SWIFT code of the beneficiary’s SBI home branch.
• If your SBI home branch does not have a SWIFT code, a link branch or nearby SBI SWIFT-enabled branch may be used as instructed by SBI.
• SWIFT/BIC and IFSC codes are different: SWIFT is used for international transfers, while IFSC is used for domestic transfers in India.
• For USA-to-India transfers, the sender may need your SBI account number, IFSC, branch details, SWIFT/BIC code, beneficiary name and address, along with other information requested by the sending bank.
• Always verify the current SBI SWIFT code with SBI or your home branch before initiating an international transfer.
• SBI states that an SBI beneficiary account can generally be credited within 1 business day after SBI receives the SWIFT message, subject to applicable processing and compliance requirements.

What Is an SBI SWIFT Code?

A SWIFT code, also called a BIC (Bank Identifier Code), is an international bank identification code used to route cross-border payments. When someone sends money from the USA, UK, Canada, Australia, or another country to your SBI account in India, the sending bank uses SWIFT/BIC information to identify the receiving bank and route the international payment. A SWIFT code is different from an IFSC code.

• SWIFT/BIC: Used for international transfers.
• IFSC: Used to identify an Indian bank branch for domestic transfers such as NEFT, RTGS, and other domestic payment methods.

For an international transfer to SBI, the sender may need both the SWIFT/BIC information and the beneficiary's Indian banking details.

Which SBI SWIFT Code Should You Use in 2026?

This is the most important part of this guide. SBI's current instructions for inward remittances state: Always verify the applicable code before initiating a large international transfer because SBI can update its remittance instructions.

Quick Answer

If you are receiving an international payment into an SBI account and the amount is USD 25,000 or less, SBI currently instructs the remitter to use: SBININBBFXD For amounts above USD 25,000, check the SWIFT code of the beneficiary's SBI home branch.

What Is SBININBBFXD?

SBININBBFXD is an SBI SWIFT/BIC used for inward remittances. SBI's current remittance instructions specifically identify SBININBBFXD for inward remittances of up to USD 25,000 or equivalent. This is why simply searching for a generic SBI SWIFT code can be confusing. You may find codes such as SBININBB or `SBININBBXXX on third-party websites, but the correct code to provide should be based on SBI's current instructions and the requirements of the sending bank.

SBININBB vs SBININBBXXX vs SBININBBFXD

These codes are often confused with one another. For an actual international transfer, do not choose a code simply because it appears on a third-party SWIFT website. Check SBI's current instructions and follow the requirements of the sending bank.

How to Find Your SBI Branch SWIFT Code

If your international transfer is above USD 25,000, or your sending bank specifically asks for the beneficiary's branch SWIFT code, you should check whether your SBI branch has its own SWIFT/BIC. You can find the relevant SBI branch code through:

1. SBI's official SWIFT code directory
2. Your SBI home branch
3. Your SBI relationship/contact team
4. Your bank statement or account documentation, where applicable

SBI maintains an official directory of SWIFT-enabled branches with branch-specific codes.

SBI Branch SWIFT Code Examples

Some SBI branches have individual 11-character SWIFT codes. For example, SBI's official directory includes branch codes such as: These examples are taken from SBI's SWIFT directory. Always verify the current code before sending a transfer because branch information can change.

How to Receive Money From USA to an SBI Account

If someone in the USA wants to send money to your SBI account in India, the sender's bank or remittance provider may ask for several details. Usually, you should keep the following information ready:

• Beneficiary's full name
• SBI account number
• SBI branch name
• SBI branch address
• IFSC code
• SWIFT/BIC code
• Beneficiary address
• Purpose of remittance, if required
• Correspondent/intermediary bank details, if requested by the sending bank

SBI's inward-remittance instructions specifically ask remitters to provide the correct SWIFT code and the beneficiary's account details in the SWIFT message.

Example: USA to SBI India

Suppose you are an NRI living in the USA and want to send money to your SBI account in India. For a transfer of USD 10,000, SBI's current instructions say to quote: SWIFT/BIC: SBININBBFXD The sender should also provide your correct SBI account details and other information requested by the sending bank. For a transfer of USD 30,000, the sender should check the SWIFT code of your SBI home branch. If your home branch does not have a SWIFT code, SBI says a link or nearby SWIFT-enabled SBI branch may be used.

SBI SWIFT Code for NRE Accounts

If you have an SBI NRE account and someone is sending money to India from overseas, the sender will need the appropriate SBI inward-remittance SWIFT information. For remittances up to USD 25,000, SBI currently specifies: SBININBBFXD The sender will also need your NRE account number and other beneficiary details requested by the sending bank. If the amount is above USD 25,000, check the SWIFT code applicable to your SBI home branch.

SBI SWIFT Code for NRO Accounts

The same inward-remittance routing instructions apply when receiving eligible overseas funds into an SBI account, including an NRO account. However, receiving money into an NRO account and sending money from an NRO account to an overseas bank are different transactions. For an outward NRO remittance, SBI may require additional documentation and tax-related compliance depending on the nature and amount of the payment. Therefore, do not use the inward-remittance SWIFT instructions as a substitute for SBI's outward-remittance requirements.

How Long Does an SBI International Transfer Take?

According to SBI, when the beneficiary's account is maintained with SBI, the account is credited through Core Banking within 1 business day after SBI receives the SWIFT message. If the beneficiary's account is with another bank, SBI states that credit through NEFT/RTGS can take up to 2 business days. Actual delivery time can still vary because of:

• Sending bank processing
• Correspondent/intermediary banks
• Compliance checks
• Currency conversion
• Incorrect beneficiary information
• Weekends and bank holidays

SBI SWIFT Transfer Charges

The total cost of an international transfer can include charges from more than one institution. Depending on the transaction, you may encounter:

• Sending bank fees
• SBI processing or handling charges
• Correspondent/intermediary bank charges
• Foreign exchange conversion costs

Do not assume that an international transfer is completely free just because the receiving account is with SBI. For the latest applicable charges, check SBI's current schedule and the sending bank's fee before initiating the transfer.

SWIFT Code vs IFSC Code: What's the Difference?

The two codes serve different purposes. Do not enter an IFSC code in a field asking for a SWIFT/BIC code.

Common SBI SWIFT Code Mistakes

1. Using a random SWIFT code from Google

Third-party directories can contain outdated or incomplete information. Always verify the code with SBI or your sending bank.

2. Confusing SWIFT with IFSC

An IFSC code is not a replacement for a SWIFT/BIC code for an international transfer.

3. Automatically using SBININBBXXX

Do not assume that SBININBBXXX is always the correct code simply because you see it on a third-party website. For inward remittances up to USD 25,000, SBI currently specifies SBININBBFXD.

4. Using the wrong account number

SBI's inward-remittance instructions require the beneficiary's account information to be entered correctly.

5. Not checking the branch SWIFT code for large transfers

For amounts above USD 25,000, SBI instructs remitters to use the beneficiary's home-branch SWIFT code, or an appropriate link/nearby SBI SWIFT-enabled branch when the home branch does not have one.

Quick Reference: SBI SWIFT Code 2026

Final Thoughts

Finding the correct SBI SWIFT code is important when receiving money from the USA, UK, Canada, or another country into an SBI account in India. The key point is that there is not one code that should automatically be used for every international transfer. For inward remittances of up to USD 25,000 or equivalent, SBI currently specifies SBININBBFXD. For amounts above USD 25,000, SBI instructs the remitter to use the beneficiary's home-branch SWIFT code or an appropriate link/nearby SBI SWIFT-enabled branch if the home branch does not have one. Before sending money, verify the SWIFT code with SBI and make sure the beneficiary's account number, IFSC, branch details, and other required information are correct. If you are an NRI, keeping your SBI account number, IFSC, branch details and applicable SWIFT information together can make future international transfers much easier.

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