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.

TONIGB22 TONIO LIMITED TOTVGB21 TOP TECHNOLOGY VENTURES LTD BONWGB21 TORCA FINANCIAL LIMITED TDOMGB2E TORONTO DOMINION BANK ECOIGB21 TORTOISE ADVISORS UK LIMITED TFAMGB21 TOSCA FUND ASSET MANAGEMENT LLP TOSAGB21 TOSCAFUND LTD TOPEGB21 TOTAL PETROLEUM SERVICES LIMITED TOELGB21 TOURMALINE EUROPE LLP TOBRGB21 TOWER BROKING LIMITED THRLGB21 TOWER HOUSE PARTNERS LLP TEAUGB2L TOWER RESEARCH CAPITAL EUROPE LTD TTGTGB21 TOWER TRADING GROUP LTD TOWUGB21 TOWERGATE INSURANCE LIMITED WAWYGB22 TOWERS WATSON LIMITED TOTMGB21 TOYOTA TSUSHO METALS LIMITED TPEUGB2L TP ICAP E AND C LIMITED TUPGGB2L TP ICAP GROUP SERVICES LIMITED GBSLGB2L TP ICAP MARKETS LIMITED TRORGB2L TR ORGANISATION LIMITED TRDXGB21 TRAD-X (UK) LTD GARRGB21 TRADE FACTS LTD TPFNGB21 TRADE POINT FINANCIAL NETWORKS PLC TRWOGB21 TRADELINK WORLDWIDE LIMITED TRAHGB21 TRADERIGHT LIMITED TRRDGB21 TRADERISKS LTD TREUGB21 TRADEWEB EUROPE LIMITED AVCIGB21 TRADING 212 UK LIMITED TPFTGB21 TRADING POINT OF FINANCIAL INSTRUMENTS, UK LIMITED TRBBGB21 TRADITION BOND BROKERS LTD. TRFEGB21 TRADITION FINANCIAL SERVICES LTD TRFSGB2L TRADITION LONDON CLEARING LTD TREFGB21 TRADITION SECURITIES AND FUTURES TRAIGB21 TRADITION UK LIMITED TRQCGB21 TRAFALGAR SQUARE CAPITAL LIMITED TRFFGB21 TRAFIGURA DERIVATIVES LIMITED TNAIGB2L TRAIANA LIMITED TAGNGB22 TRAINING BANK LTD TREOGB21 TRANSACTION REPORTING LIMITED TAATGB22 TRANSACTWORLD LIMITED TSACGB22 TRANSAVE CREDIT UNION LIMITED TRPDGB21 TRANSFER RAPID LTD TRNOGB21 TRANSFERGO LTD HEIOGB22 TRANSFERPRO EMI LTD TANFGB22 TRANSFERRA UN LIMITED TMFSGB2L TRANSFERTO MOBILE FINANCIAL SERVICES, LTD TRYPGB22 TRANSPAYGO LIMITED TTECGB22 TRANSWAP TECHNOLOGIES UK LTD TRNZGB22 TRANZFAR LTD TRUOGB22 TRAVELEX EUROPE LIMITED TVLPGB22 TRAVELOPIA CENTRAL OPERATIONS LIMITED TRYDGB2L TRAYDSTREAM LIMITED TRUYGB21 TREASURY IP LIMITED TERSGB22 TREASURY LIMITED TRNDGB21 TREND ANALYSIS LTD TENDGB22 TRENDTECH LTD TRTCGB21 TRIDENT TRUST COMPANY (UK) LTD TRMTGB21 TRILAND METALS LTD TRAGGB21 TRINITY ASSET MANAGEMENT LIMITED TRCTGB21 TRINITY CAPITAL PARTNERS LTD TRGRGB21 TRINITY GROUP LIMITED TSAMGB21 TRINITY STREET ASSET MANAGEMENT LLP CLEGGB21 TRINITYBRIDGE LIMITED TROOGB21 TRIODO BANK NV TRIOGB22 TRIODOS BANK UK LIMITED CITAGB21 TRITAX SECURITIES 1 LIMITED TRSGGB4L TROY ASSET MANAGEMENT LIMITED TPILGB21 TRUE POTENTIAL INVESTMENTS LLP TRYEGB22 TRUELAYER LIMITED APAYGB22 TRUSTUK PAYMENTS LTD

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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