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SWIFT codes in Pakistan
PK · PKR
Find the correct SWIFT/BIC code for banks in Pakistan. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.
Banks
70
SWIFT codes
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Branches
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Currency
PKR
Banks in Pakistan
A
AKD SECURITIES LIMITEDA
ALBARAKA BANK (PAKISTAN) LIMITEDA
ALFALAH SECURITIES (PRIVATE) LIMITEDA
ALLIED BANK LIMITEDA
AMERICAN EXPRESS BANK LTD.A
ARIF HABIB LIMITEDA
ASKARI BANK LIMITEDA
ASKARI BANK LTD.A
ASKARIBANK LIMITEDB
BANK AL HABIB LIMITEDB
BANK ALFALAH LIMITEDB
BANK MAKRAMAH LIMITED (FORMERLY SUMMIT BANK LIMITED)B
BANK OF CHINA LIMITED KARACHI BRANCHB
BANK OF KHYBER, THEB
BANKISLAMI PAKISTAN LIMITEDB
BHAYANI SECURITIES (PRIVATE) LIMITEDB
BMA CAPITAL MANAGEMENT LIMITEDC
CENTRAL DEPOSITORY COMPANY OF PAKISTAN LIMITEDC
CHASE SECURITIES PAKISTAN (PRIVATE) LIMITEDC
CITIBANK N.A.D
DEUTSCHE BANK AG, ISLAMABAD BRANCHD
DEUTSCHE BANK AG, KARACHI BRANCHD
DEUTSCHE BANK AG, LAHORE BRANCHD
DUBAI ISLAMIC BANK PAKISTAN LIMITEDE
EFG HERMES PAKISTAN LIMITEDE
ELIXIR SECURITIES PAKISTAN (PVT) LTDF
FAYSAL BANK LIMITEDF
FIRST CAPITAL EQUITIES LIMITEDF
FIRST WOMEN BANK LIMITEDH
HABIB BANK LIMITEDH
HABIB METROPOLITAN BANK LIMITEDH
HSBC BANK OMAN S.A.O.G. (FORMERLY OMAN INTERNATIONAL BANK)I
IGI FINEX SECURITIESI
INDUSTRIAL AND COMMERCIAL BANK OF CHINA, KARACHI BRANCHI
INSIGHT SECURITIES (PRIVATE) LTDI
INTERMARKET SECURITIES LIMITEDI
INVISOR SECURITIES (PVT) LIMITEDJ
JAHANGIR SIDDIQUI AND COMPANY LIMITEDJ
JARDINE FLEMING PAKISTAN LTD.J
JS BANK LIMITEDJ
JS GLOBAL CAPITAL LIMITEDK
KHADIM ALI SHAH BUKHARI AND CO. LTDK
KTRADE SECURITIES LIMITEDM
MAJEED ADAMM
MASHREQ BANK PAKISTAN LIMITEDM
MCB BANK LIMITEDM
MCB ISLAMIC BANK LIMITEDM
MEEZAN BANK LIMITEDN
NATIONAL BANK OF PAKISTANN
NAYAPAY (PRIVATE) LIMITEDN
NEXT CAPITAL LIMITEDO
OPTIMUS CAPITAL MANAGEMENT (PVT) LTDP
PAKISTAN KUWAIT INVESTMENT COMPANY PRIVATE LIMITEDP
PAKISTAN TOBACCO COMPANY LIMITEDP
PAKLIBYA HOLDING COMPANY (PRIVATE) LIMITEDR
ROYAL INTERNATIONAL EXCHANGE COMPANY (PVT) LTDR
RUPALI BANK LIMITEDS
SAMBA BANK LIMITEDS
SILKBANK LIMITEDS
SINDH BANK LIMITEDS
SME BANK LTDS
SONERI BANK LIMITEDS
STANDARD CHARTERED BANK (PAKISTAN) LIMITEDS
STATE BANK OF PAKISTANT
TAURUS SECURITIES LIMITEDT
THE BANK OF PUNJABT
TOPLINE SECURITIES PVT LTD.T
TRUST BANK LIMITEDU
UNITED BANK LIMITEDW
WALL STREET EXCHANGE COMPANY (PVT) LTD.Frequently asked questions
What is a SWIFT code for Pakistan?
A SWIFT code (also called a BIC code) is an 8 or 11-character code that identifies a specific bank in Pakistan for international wire transfers. For example, HABORPKAXXXX identifies the head office of Bank Al Habib Limited. The first 4 characters identify the bank, the next 2 (PK) identify Pakistan, the next 2 identify the city, and the optional last 3 identify the branch.
What are the SWIFT codes for major Pakistani banks?
Key SWIFT codes include: HBL (Habib Bank Limited) — HABORPKAXXXX, UBL (United Bank Limited) — UNILPKKAXXXX, MCB Bank — MUCBPKKAXXXX, Allied Bank — ABLOOPKAXXX, Meezan Bank — MEZUPKKAXXXX, Bank Al Habib — HABORPKAXXXX, Standard Chartered Pakistan — SCBLPKKXXXX, Faysal Bank — FABORPKAXXXX, and National Bank of Pakistan — NBPAPKKAXXXX.
How do I find the SWIFT code for my Pakistani bank?
You can find your bank's SWIFT code on your bank statement, in your online/mobile banking app, by contacting your branch directly, or by searching on this page. Major banks like HBL, UBL, and MCB display SWIFT codes in their internet banking portals. Always confirm the code with your bank, as head office and branch codes may differ.
Do I need a SWIFT code to receive money from abroad in Pakistan?
Yes. To receive an international wire transfer in Pakistan, the sender needs your bank's SWIFT/BIC code along with your IBAN (24 characters starting with PK). Both are required — the SWIFT code routes the payment to your bank, while the IBAN ensures it reaches your specific account.
How long does a SWIFT transfer to Pakistan take?
SWIFT transfers to Pakistan typically take 1-3 business days, depending on the sending country, intermediary banks involved, and whether the payment passes compliance checks. Transfers from the UK and US usually arrive within 1-2 business days. Transfers involving multiple correspondent banks or unusual currencies may take longer.
Are there fees for receiving a SWIFT transfer in Pakistan?
Most Pakistani banks charge an inward remittance service fee, typically PKR 200-500 per transaction. However, home remittances (personal transfers from overseas Pakistanis) are often exempt from these charges under SBP incentive schemes. The receiving bank will also convert the foreign currency to PKR at their prevailing exchange rate, which includes a margin over the interbank rate.
Is there a difference between SWIFT code and IBAN in Pakistan?
Yes. A SWIFT code identifies a bank (e.g., MUCBPKKAXXXX for MCB Bank), while an IBAN identifies a specific account at that bank (e.g., PK36SCBL0000001123456702). For international transfers to Pakistan, the sender needs both: the SWIFT code to route the payment to the correct bank, and the IBAN to credit the correct account.
Can I receive USD or GBP directly in my Pakistani bank account?
Standard PKR accounts cannot hold foreign currency. SBP regulations require that all inbound foreign currency is converted to PKR at the bank's prevailing rate on the day of credit. If you need to hold foreign currency, you can open a Foreign Currency Account (FCA) at your bank, which allows you to receive and hold USD, GBP, EUR, and other major currencies.
Do mobile wallets like JazzCash and Easypaisa have SWIFT codes?
JazzCash (Mobilink Microfinance Bank) and Easypaisa (Telenor Microfinance Bank) are connected to the SWIFT network through their parent microfinance banks. They issue IBANs and can receive international wire transfers if the sender has the correct SWIFT code and IBAN. However, for large transfers, a commercial bank account may be more reliable.
How SWIFT works in Pakistan
Pakistan's banking system is regulated by the State Bank of Pakistan (SBP), and all inbound international transfers must comply with SBP foreign exchange regulations. SWIFT is the primary channel for receiving international wire transfers, with major banks like HBL, UBL, MCB, and Allied Bank all connected to the SWIFT network. PKR settlement is handled locally after the funds arrive in foreign currency.
- Pakistan's major banks — Habib Bank (HBL), United Bank (UBL), MCB Bank, and Allied Bank — each have multiple SWIFT codes covering head offices and key branches. Always use the SWIFT code that corresponds to the specific branch or processing center where the recipient's account is held.
- Inbound remittances to Pakistan are exempt from withholding tax under SBP incentive schemes, but the receiving bank may still deduct a service charge. The recipient should confirm their bank's inward remittance fee before you send, especially for smaller amounts where fixed fees have a larger impact.
- SBP requires that foreign currency received via SWIFT is converted to PKR at the bank's prevailing rate on the day of credit. The recipient cannot hold the funds in foreign currency in a standard PKR account. For better rates on the conversion, compare the receiving bank's posted rate against the interbank rate.
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