SWIFT Codes of Pakistani Banks Complete List

Sending or receiving money across borders often comes down to one small detail, the right bank code. Knowing the SWIFT Codes of Pakistani Banks helps you avoid delays, returned payments, and extra charges when handling an international money transfer. This guide gives you a clear reference list of SWIFT Codes of Pakistani Banks, explains how these codes work, and shows how a platform like 7Pay fits into your everyday digital payments.

What Is a SWIFT Code?

A SWIFT code, also called a Bank Identification Code (BIC), is a standard identifier that tells the international banking system exactly which bank should receive a payment.

Banks use these codes to exchange payment messages across the international banking system, which makes international wire transfers and cross-border transactions possible. Whenever you handle overseas bank payments, the code works like an address for the bank itself, so the money reaches the right institution without guesswork.

8-Digit and 11-Digit SWIFT Codes Explained

Every SWIFT code comes in either an 8-character or an 11-character format.

The first four characters identify the bank, the next two show the country (PK for Pakistan), and the next two show the location. An 11-character version adds a three-character suffix for bank branch identification, while “XXX” usually points to the head office. For most incoming transfers, the 8-character head office code is enough.

Why SWIFT Codes of Pakistani Banks Matter for International Transfers

Accuracy here protects both your money and your time.

Correspondent banking networks rely on the correct code to route funds through the right intermediaries. Using the right SWIFT Code for International Bank Transfers is especially important for foreign remittance in Pakistan, since a wrong or incomplete code can lead to rejected payments, delays, or additional handling fees along the way.

Complete List of SWIFT Codes of Pakistani Banks

Here is a quick SWIFT code list of Pakistani banks, showing the head office code for each major institution.

Bank	SWIFT/BIC Code
Habib Bank Limited (HBL)	HABBPKKA
United Bank Limited (UBL)	UNILPKKA
MCB Bank Limited	MUCBPKKA
Allied Bank Limited	ABPAPKKA
Bank Alfalah	ALFHPKKA
Meezan Bank	MEZNPKKA
Faysal Bank	FAYSPKKA
Standard Chartered Bank (Pakistan)	SCBLPKKX
National Bank of Pakistan	NBPAPKKA
Askari Bank	ASCMPKKA
Bank Al Habib	BAHLPKKA
Habib Metropolitan Bank	MPBLPKKA
Soneri Bank	SONEPKKA
JS Bank	JSBLPKKA

These Pakistan bank SWIFT codes and Pakistani banks BIC codes are head office identifiers. Banks occasionally update their details, so always confirm with your bank before sending a large payment.

SWIFT Code of Major Banks at a Glance

If you only need one specific code, these are the most commonly searched ones, listed individually for quick copying.

• SWIFT Code of HBL Pakistan: HABBPKKA
• SWIFT Code of UBL Pakistan: UNILPKKA
• SWIFT Code of Meezan Bank: MEZNPKKA
• SWIFT Code of MCB Bank: MUCBPKKA
• SWIFT Code of Allied Bank: ABPAPKKA
• SWIFT Code of Bank Alfalah: ALFHPKKA
• SWIFT Code of Faysal Bank: FAYSPKKA
• SWIFT Code of Standard Chartered Pakistan: SCBLPKKX

Each of these works as a SWIFT code of banks in Pakistan for standard international transfers to the bank’s main operations.

How to Find SWIFT Codes of Pakistani Banks

If your bank is not on the list above, there are several reliable ways to confirm its code.

• Check your bank’s official website, usually under the international transfers or contact section.
• Look at your bank statement or IBAN certificate, which often shows the SWIFT code.
• Open your mobile banking app and review your account details.
• Call your bank’s customer support and ask for the exact code for incoming transfers.
• Use a trusted online directory to check a bank SWIFT code online, then confirm it with your bank.

Confirming with your bank directly remains the safest approach before any large transfer.

IBAN and SWIFT Code Difference in Pakistan

People often mix these two up, but they do different jobs.

A SWIFT code identifies the bank, while an IBAN identifies your specific account. In Pakistan, an IBAN has 24 characters and includes your bank’s code and account number. Together, your IBAN and the SWIFT Codes of Pakistani Banks give the receiving bank everything it needs to credit the right account quickly and accurately.

Receiving Money from Abroad

Receiving international payments in Pakistan is straightforward once you share the right details with the sender.

Whenever you need to receive money from abroad, provide your full name as it appears on the account, your account number or IBAN, your bank’s name and address, and your bank’s code from the list of SWIFT Codes of Pakistani Banks above. Freelancers, exporters, and families receiving overseas support all use this same set of details.

Sending Money from Abroad to a Pakistani Bank Account

Anyone sending money internationally to Pakistan follows a similar process from the sender’s side.

The sender enters the beneficiary’s name, account number or IBAN, and the receiving bank’s code in their banking app or at their branch. Double-checking each field before confirming helps ensure the transfer is processed smoothly, since international wire transfers are harder to correct once they are sent.

Do All Pakistani Bank Branches Have SWIFT Codes?

Not every branch has its own code, and in most cases you do not need one.

Most banks use a single head office code for incoming international transfers, while a few include optional 11-character branch codes. If your sender asks about a branch code, check with your bank, but the standard 8-character code is typically accepted for routine transfers.

Common Mistakes to Avoid

A few small errors cause most failed or delayed international payments.

• Using an outdated or unverified code copied from an unreliable source.
• Confusing the SWIFT code with the IBAN or account number.
• Entering the beneficiary’s name differently from how it appears on the account.
• Skipping the bank’s name and address when the sender’s platform asks for it.

Avoiding these simple mistakes makes cross-border transactions much smoother for everyone involved.

How 7Pay Supports Your Digital Payment Needs

International transfers are handled through your bank, but your everyday payments can still be made simpler with the right platform.

At 7pay.com.pk, users get convenient services for bill payments, mobile recharge, and other digital transactions, built with a strong focus on security. While 7Pay does not issue or manage SWIFT Codes of Pakistani Banks, it complements your banking routine by giving you a dependable, user-friendly space for managing routine payments once your funds have arrived.

FAQs

1. How to find the SWIFT code of a Pakistani bank?
Check your bank’s official website, bank statement, mobile banking app, or contact customer support for the exact code.

2. Where can I find a complete list of SWIFT codes for banks in Pakistan?
The table in this guide covers major banks, and your bank’s official website is the most reliable source for any institution not listed.

3. How to receive international payments in Pakistan?
Share your name, account number or IBAN, bank name, and your bank’s SWIFT code with the sender.

4. Which SWIFT code is used for international transfers?
The SWIFT code of the receiving bank is used, typically the 8-character head office code.

5. How to check a bank SWIFT code online?
Use your bank’s official website or a trusted SWIFT directory, then confirm the result with your bank.

6. What is the difference between a SWIFT code and an IBAN in Pakistan?
A SWIFT code identifies the bank, while an IBAN identifies your specific account within that bank.

7. Do all Pakistani bank branches have SWIFT codes?
No, most banks use one head office code, and only some provide optional 11-character branch codes.

8. How to send money from abroad to a Pakistani bank account?
Provide the beneficiary’s name, account number or IBAN, and the receiving bank’s SWIFT code in your sending bank or transfer platform.

9. What is a SWIFT code?
It is a standard Bank Identification Code (BIC) used to identify banks in international transfers.

10. Is a SWIFT code the same as a BIC?
Yes, SWIFT code and BIC refer to the same identifier, and the terms are often used interchangeably.

Conclusion

Having the right SWIFT Codes of Pakistani Banks on hand makes both sending and receiving international payments far less stressful. From understanding the 8-digit and 11-digit formats to knowing how an IBAN differs from a SWIFT code, a little preparation helps your transfers arrive faster and with fewer complications. Keep this list handy, confirm details with your bank before large transfers, and you can handle cross-border payments with confidence.

Call to Action

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