Great Britain: SWIFT/BIC Codes & Payment Info

Browse banks, EMIs, PSPs and other organizations in Great Britain that hold a SWIFT/BIC code. See correspondent banking data and review the country's payment requirements.

Currency
GBP (Pound Sterling)
IBAN
Mandatory (GB2!n4!a6!n8!n)
SEPA
Yes
Convertibility
Freely convertible
The pound sterling (GBP) is a freely floating, fully convertible major reserve currency managed by the Bank of England, with no exchange controls.
Currency controls
None
The UK operates a fully open capital account with no exchange or capital controls; cash of GBP 10,000 or more crossing the border must be declared to HMRC.
FATF
Member, not listed
The UK is a founding FATF member and is on neither the FATF grey nor black list; its 2018 mutual evaluation found a well-developed AML/CFT regime, and it assumed the two-year FATF Presidency in July 2026.
CRS / AEOI
CRS participant
The UK is an early-adopter OECD Common Reporting Standard jurisdiction and has exchanged financial-account information automatically since 2017.
Sanctions
Autonomous UK regime plus UN
The UK runs its own autonomous sanctions regime under SAMLA 2018 and implements UN measures; since January 2026 all designations sit on the single UK Sanctions List. Screen counterparties.
Crypto / digital assets
Legal; full FCA regime from 2027
Cryptoassets are legal property but not legal tender; firms currently need FCA anti-money-laundering registration, and a full FCA authorisation regime under FSMA commences on 25 October 2027. The digital pound remains in design, with no launch decision taken.
Cross-border payments and banking in Great Britain:

The UK's currency is the pound sterling (GBP), a freely floating, fully convertible major reserve currency managed by the Bank of England. There are no exchange controls and the capital account is fully open: residents and non-residents may hold, buy and transfer any currency without restriction or approval, though cash of GBP 10,000 or more carried across the border must be declared to HMRC. The UK uses IBAN: a UK IBAN is 22 characters, made up of GB, two check digits, a four-letter bank code, the six-digit sort code, and the eight-digit account number. The sort code identifies the bank and branch and drives domestic routing. Despite leaving the EU, the UK stays within the SEPA geographical scheme, so euro credit transfers to and from the UK still run on SEPA rails, although UK-to-EU payments now count as international rather than domestic.

Inbound cross-border payments arrive by SWIFT (MT103 or the ISO 20022 MX equivalent) and then settle domestically through one of the UK's payment systems: CHAPS for same-day high-value sterling, Faster Payments for near-instant retail transfers up to GBP 1 million around the clock, and Bacs for batched direct credits and debits. To credit a beneficiary without delay, an instruction typically needs:

The UK is phasing in ISO 20022 enhanced-data rules on CHAPS: purpose codes and LEIs are already required for inter-bank and property payments, and from November 2026 CHAPS will reject fully unstructured address data, so structured beneficiary details are worth adopting now.

On compliance, the UK is a founding FATF member and sits on neither the FATF grey nor black list; its 2018 mutual evaluation found a well-developed regime, and it assumed the two-year FATF Presidency in July 2026. It is an early-adopter OECD CRS/AEOI jurisdiction and has exchanged financial-account information automatically since 2017. Anti-money-laundering rules rest on the Proceeds of Crime Act 2002 and the 2017 Money Laundering Regulations, supervised by the FCA for financial-services firms, with suspicious activity reported to the UK Financial Intelligence Unit inside the National Crime Agency. The UK runs its own autonomous sanctions regime under the Sanctions and Anti-Money Laundering Act 2018 and implements UN measures, and since January 2026 every designation sits on a single UK Sanctions List, so screen counterparties against it before you pay.

Cryptoassets are legal in the UK and treated as property, though they are not legal tender and are little used for everyday payment. Firms carrying on cryptoasset business must currently register with the FCA for anti-money-laundering purposes, and a full FCA authorisation regime under the Financial Services and Markets Act commences on 25 October 2027, bringing exchanges, custody, stablecoin issuance and staking inside the regulatory perimeter. A central bank digital currency, the digital pound, remains in its design phase, with no decision yet taken on whether to proceed.

Regulatory and cross-border snapshot

Central bank
The UK central bank: monetary policy, RTGS/CHAPS settlement, and prudential regulation (PRA). · official site
AML authority
UK Financial Intelligence Unit within the National Crime Agency; the FCA is the AML supervisor for financial-services firms.
Sanctions posture
The UK runs its own autonomous sanctions regime under SAMLA 2018 and implements UN measures; since January 2026 all designations sit on the single UK Sanctions List. Screen counterparties.
Correspondent routing
London is one of the world's principal clearing centres, so inbound sterling settles domestically same-day through CHAPS or near-instantly through Faster Payments, and major UK banks generally hold direct or well-established correspondent access for the main currencies rather than depending on long multi-hop chains. Foreign-currency legs still clear through the relevant home market, with USD settling via a US clearing intermediary and EUR through the euro area, so the currency of settlement, not access to the UK, is usually what drives routing and cut-off times. Sanctions screening against the UK Sanctions List applies to every payment; designated persons and entities are blocked, not whole country corridors.
Reference sources: Bank of England· Financial Conduct Authority (FCA)· Office of Financial Sanctions Implementation (OFSI), HM Treasury· The UK Sanctions List· Pay.UK (Faster Payments, Bacs)· National Crime Agency (UK Financial Intelligence Unit)· FATF - United Kingdom· OECD - CRS by jurisdiction (AEOI portal)
Cross-border invoice requirements for Great Britain E-invoicing rules, tax IDs, mandatory fields and invoice language for invoices issued in Great Britain.

SWIFT/BIC code holders in Great Britain (3459)

Banks, EMIs, PSPs and other organizations with an assigned BIC. Click any entry for SWIFT/BIC details, correspondent banking data and supported currencies.

FCELGB21 FREEPOINT COMMODITIES EUROPE LLP FRETGB21 FREETRADE LIMITED FRHSGB2L FRESHFIELDS LLP FRLEGB21 FREUD LEMOS LIMITED FROIGB2N FRONERI INTERNATIONAL LIMITED FGLCGB22 FRONTIER GLOBAL CONSULTANTS LTD FRMEGB22 FROST MONEY LTD FRSOGB21 FS FIRST SOLUTIONS LTD FTGLGB21 FTT GLOBAL LIMITED FANPGB22 FULCRUM ASSET MANAGEMENT LLP FUADGB21 FUND ADVISORS (UK) LTD FUNCGB2L FUNDING CIRCLE LIMITED FUNNGB22 FUNDMENT LIMITED EFDSGB21 FUNDROCK PARTNERS LIMITED SYNFGBN1 FUNDTECH FINANCIAL MESSAGING LTD FUBSGB22 FURNESS BUILDING SOCIETY FUWEGB21 FUSION WEALTH LIMITED FUVCGB21 FUTURE VALUE CONSULTANTS LIMITED FMLTGB22 FX MASTER LIMITED FXAWGB21 FXA WORLD PLC FXPRGB21 FXPRO UK LIMITED FIANGB21 G H FINANCIALS LTD INRUGB21 G M INVESTMENT TRUSTEES LIMITED SQCLGB21 G SQUARED CAPITAL LLP GHFIGB2L G.H. FINANCIALS LTD GATNGB22 GABTRANS UK LIMITED GATAGB22 GACHAM TRADE CAPITAL LTD CIIDGB22 GAIN CAPITAL UK LIMITED GALNGB21 GAIR LOCH ENTERPRISES LTD. GABAGB21 GALICIA Y BUENOS AIRES SECURITIES (UK), LTD. GLAMGB2L GAM (UK) LIMITED GAIMGB21 GAM INTERNATIONAL MANAGEMENT LTD GASAGB21 GAM STERLING MANAGEMENT LIMITED THSAGB21 GAM UNIT TRUST MANAGEMENT COMPANY, LIMITED GAEUGB21 GARBAN EUROPE LTD. GAITGB21 GARBAN INTERNATIONAL LTD. GALCGB21 GARBAN LLC GARTGB21 GARTMORE INVESTMENT MANAGEMENT GATCGB21 GATCO BANK PLC ISCMGB21 GATE CAPITAL GROUP LTD GHOUGB2L GATEHOUSE BANK PLC GACFGB21 GAZELLE CORPORATE FINANCE LTD GBBLGB22 GB BANK LIMITED BCBGGB22 GBM SECURITIES LIMITED GBTTGB2L GBT TRAVEL SERVICES UK LIMITED GBXPGB22 GBXP LTD APCFGB21 GCA ALTIUM LIMITED AMANGB21 GE ASSET MANAGEMENT LIMITED CAGEGB21 GE CAPITAL GROUP SERVICES LIMITED GECAGB21 GE CAPITAL LTD GEEIGB22 GEMBA FINANCE LTD GEMCGB21 GEMCABIN LIMITED GEPYGB22 GEMINI PAYMENT UK, LTD GEADGB21 GEMS ADVISORS GEMTGB21 GEMSSTOCK LIMITED GAETGB21 GENERAL ACCIDENT EXECUTOR AND TRUSTEE, CO LTD BSIGGB21 GENERALI SAXON LAND DEVELOPMENT, COMPANY LIMITED DEIDGB21 GENERATION ASSET MANAGEMENT (UK), LIMITED GEIMGB21 GENERATION INVESTMENT MANAGEMENT LL GEPCGB2L GENPACT (UK) LIMITED GEOWGB22 GEOSWIFT UK LIMITED GEFRGB21 GERALD EVE FINANCIAL SERVICES LTD GERDGB21 GERALD LIMITED GENAGB21 GERRARD AND NATIONAL HOLDINGS PLC GRRNGB21 GERRARD AND NATIONAL LIMITED GEVGGB21 GERRARD VIVIAN GRAY LIMITED SOGAGB21 GF FINANCIAL MARKETS (UK) LIMITED GFBRGB21 GFI BROKERS LIMITED GFIGGB2L GFI SECURITIES LTD GFIEGB21 GFINET UK LIMITED

Frequently asked questions

Does the UK use IBAN?

Yes. The UK uses IBAN for international payments. A UK IBAN is 22 characters: the country code GB, two check digits, a four-letter bank code, the six-digit sort code, and the eight-digit account number. The sort code identifies the bank and branch, and for an inbound SWIFT payment you need the beneficiary's IBAN and the beneficiary bank's SWIFT BIC.

Is the UK on the FATF grey list?

No. The UK is a founding member of the FATF and is on neither the FATF grey list (jurisdictions under increased monitoring) nor the black list. Its 2018 mutual evaluation found a well-developed AML/CFT regime, and the UK assumed the rotating FATF Presidency, a two-year term, in July 2026.

Is the UK still part of SEPA after Brexit?

Yes. Although the UK has left the EU, it remains within the SEPA geographical scheme, so euro credit transfers and direct debits to and from UK accounts still run on SEPA rails. In practice UK-to-EU payments are now treated as international rather than domestic, so charging and information requirements can differ from intra-EU transfers.

Is the UK a CRS country?

Yes. The UK is an early-adopter OECD Common Reporting Standard (CRS) jurisdiction and has exchanged financial-account information automatically under CRS/AEOI since 2017. UK financial institutions identify and report accounts held by tax residents of other participating jurisdictions to HMRC.

How is cryptocurrency regulated in the UK?

Cryptoassets are legal in the UK and treated as property under English law, but they are not legal tender and are little used for everyday payment. Firms carrying on cryptoasset activities must currently register with the FCA for anti-money-laundering purposes, and crypto marketing to UK consumers must be approved by an FCA-authorised firm and carry risk warnings. A full FCA authorisation regime under the Financial Services and Markets Act, covering exchanges, custody, dealing, stablecoin issuance and staking, was made in 2026 and commences on 25 October 2027. Separately, the Bank of England is still in the design phase for a possible central bank digital currency, the digital pound, with no decision yet taken on whether to launch it.

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