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What is an SWIFT/BIC Code?

SWIFT codes means Society of Worldwide Interbank Financial Telecommunication Code. The Swift/BIC code is used to identify a particular branch of a bank or financial institution & it'll help you to transfer money internationaly and executor for cross-border payments.

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Format of H And M Hennes And Mauritz International Ab Swift Code

A bank branch's SWIFT code is a minimum of eight to a maximum of eleven digits alphanumeric, numeric, or alphabetic code.

The Structure is-

H

E

M

I

S

E

Y

Y

Z

Z

Z

Bank Code

Country ISO Code

Location Code

Branch Code (Optional)

  • HEMI - The first four digits is bank code. Any H And M Hennes And Mauritz International Ab Bank SWIFT Code start with HEMI.

  • SE - Next two digits is country ISO code. Here this ISO code indicates Sweden country.

  • YY - Next two digits specifies the Location where the bank is located.

      1. If the second character is "0" - then it is typically a test BIC as opposed to a BIC used on the live network.
      2. If the second character is "1" - then it denotes a passive participant in the SWIFT network
      3. If the second character is "2," it typically indicates a reverse billing BIC, in which the recipient pays for the message rather than the more common mode, in which the sender pays for the message.

  • ZZZ - The last four digits are optional; they are the branch code and a unique identifier number for the specific bank branch.

    • *If the Swift code is an eight-digit code, it is safe to assume that it refers to the primary office.

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    Popular H AND M HENNES AND MAURITZ INTERNATIONAL AB Branches

    MAIN BRANCH BRANCH, H AND M HENNES AND MAURITZ INTERNATIONAL AB SWIFT CODE

    Swift Code : HEMISES1
    City : STOCKHOLM
    Country : SWEDEN

    SWIFT / BIC Code


    What is SWIFT/BIC Code?

    SWIFT codes are abbreviations for the Society of Worldwide Interbank Financial Telecommunication Code. A SWIFT code is a code that is used to identify the country, bank, and branch of an account. A SWIFT code is also known as a BIC (Bank Identifier Code), but they are the same thing.


    Formation of SWIFT Code

    The Swift Code is either eight or eleven digits long and a combination of letters and numbers.

    • The first four characters of the swift code are the bank code.
    • The next two digits are the country code.
    • The next two digits are the location code, and
    • The last three digits are optional and aid in identifying the specific bank branch.

    Applications of SWIFT Code/BIC Code

    The following are some examples of SWIFT or BIC code applications:

    • The Swift/BIC code is used to identify a specific branch of a bank or financial institution.
    • It aids in international money transfers and acts as an executor for cross-border payments.

    Example: Breakdown of SWIFT/BIC Code

    A

    B

    C

    D

    1

    2

    3

    4

    5

    6

    7

    Bank Code

    Country ISO Code

    Location Code

    Branch Code
    (Optional)

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