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It is used for the electronic payment system applications like the NEFT (National Electronic Fund Transfer, RTGS and CFMS.

Read More MICR Code or Magnetic Ink Character Recognition is a character recognition system used mostly by the banking industry for facilitating the processing of cheques.

It will also not form any kind of clearing/settlement.

There is widespread misconception that SWIFT facilitates our funds transfers.

The SWIFT standard messages are formatted to be read and processed by all the commonly used financial processing systems.

These systems don't have to be able to transfer on the SWIFT network.

These codes are mostly used for carrying out international wire transfers and can have 8/11 alphanumeric characters.


It can often leave one confused as to what the Bic Codes refer to. It is an international banking code for transfer of financial messages.

Read More The BSB Codes or Bank State Branch codes are 6-digit codes used for identifying banks and branches in Australia.



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