Singapore SWIFT Codes and Bank Codes

Use a SWIFT or BIC code for an international business payment to Singapore. Use the four-digit Singapore bank code for GIRO or another domestic payment workflow only when the payment form or receiving instructions request it.

The table below covers 49 institutions in the Association of Banks in Singapore list of participating GIRO banks, updated April 29, 2026. The list provides the bank code and SWIFT/BIC together. Compare every code with bank-issued instructions before sending money.

Singapore SWIFT codes and bank codes

A SWIFT/BIC identifies a financial institution in international bank messaging. Singapore bank codes are four-digit identifiers used in local GIRO and related payment instructions. A business payment form may ask for one or both.

An eight-character SWIFT/BIC normally identifies a bank or financial institution. Some payment instructions include an eleven-character code for a particular branch or service. Use the code supplied for the recipient account rather than adding a branch suffix.

Are SWIFT codes different for business accounts?

Business and personal accounts usually share the bank-level SWIFT/BIC. Receiving instructions can still differ by legal bank entity, branch, account currency, banking product and correspondent route.

For a business payment, obtain bank-issued instructions showing the registered business name, account number, account currency, bank name, branch or address, and required routing codes. Confirm changed or first-time instructions through a known contact at the recipient business.

How to choose the correct Singapore bank code

1. Identify the payment route. International wires usually require a SWIFT/BIC. GIRO and some Singapore payment forms request the four-digit bank code.
2. Match the legal bank entity. The same banking group can operate a Singapore-incorporated bank and a foreign-bank branch with different codes.
3. Check the account currency. Foreign-currency receipts may use correspondent-bank instructions that differ from a domestic SGD payment.
4. Confirm before release. Compare the code with written instructions issued for the recipient account.

Using Singapore bank details in a business payment workflow

Store the beneficiary name, account number, currency, bank entity and verified routing details together. Require a second-channel check when bank details change before approving the payment.

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Frequently asked questions

Is a Singapore bank code the same as a SWIFT code?

No. A Singapore bank code is a four-digit local identifier used in GIRO and related domestic payment instructions. A SWIFT/BIC identifies a financial institution for international bank messaging.

Do Singapore business accounts use different SWIFT codes?

Business and personal accounts usually share the bank-level SWIFT/BIC. The correct receiving instructions can still differ by bank entity, branch, currency, account product or correspondent route.

Should a business use the bank code or SWIFT/BIC?

Use the SWIFT/BIC for an international wire when the receiving instructions request it. Use the four-digit bank code for Singapore GIRO or another domestic workflow when the payment form specifically asks for that code.

How should a Singapore bank code be verified?

Compare the code with bank-issued receiving instructions and the current Association of Banks in Singapore participant list. Confirm the legal bank entity, account currency and branch before releasing a material payment.