Swift Code UMB Bank: A Comprehensive Guide

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Umb Bank's Swift Code is a crucial piece of information for anyone looking to make international transactions with the bank. The code is UMBKKEKX.

Umb Bank's Swift Code is used for international wire transfers and other cross-border transactions. It's a unique identifier that helps ensure the transaction reaches the correct account.

You can find the Swift Code on the bank's website or by contacting their customer support. It's usually located on the bank's website under the "Help" or "Support" section.

The Swift Code is an 8-11 character code that starts with the bank's code, followed by the country code, and ends with the branch code.

What is Swift Code?

A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers.

SWIFT codes are used by banks to exchange messages between them. They're like a unique address for your bank account.

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A SWIFT Code is made up of 8 or 11 characters, with all 11 digit codes referring to specific branches. The 8 digit codes, or those ending in 'XXX', refer to the head or primary office.

Here's how a SWIFT Code is formatted:

For example, a 11-character SWIFT Code for UMB Bank, N.A. might look like this: AAAABBBCCDDD.

Using Swift Code

A SWIFT code is usually an 8- or 11-digit number with a specific format. It consists of four characters for the bank code, two characters for the country code, two characters for the location code, and an optional three-character branch code.

The format is AAAABBCCDDD, where AAAA represents the bank code, BB represents the country code, CC represents the location code, and DDD represents the branch code if it's provided.

To use the right UMB Bank SWIFT/BIC code, you can simply use the 8-digit head office SWIFT code, which is UMKCUS44. This way, the payment will still reach your account without having to spend time finding the SWIFT code of your branch.

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Validate Swift Code

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Before initiating a money transfer, it's essential to validate your SWIFT code. Check your SWIFT code is valid to avoid any issues with the transfer.

A valid SWIFT code is usually an 8- or 11-digit number. The format is AAAABBCCDDD, which stands for the bank code, country code, location code, and branch code.

The bank code is the first four characters, represented by letters. The country code is the next two characters, also represented by letters.

The location code is the third set of two characters, which can be either numbers or letters. This code represents the institution's headquarters.

The branch code is the final set of three characters, which is optional. If present, it indicates the branch of the bank.

How to Use the Right Swift/BIC Code

Using the right SWIFT/BIC code is crucial when making international wire transfers. A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch.

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First, let's break down the code structure. It usually looks like this: AAAABBCCDDD. The first 4 characters represent the bank code, which is a shortened version of the bank's name.

The next 2 characters represent the ISO 3166-1 alpha-2 country code. This is a 2-letter code that identifies the country the bank is in.

To use the right SWIFT/BIC code, you need to identify the branch you're making the transfer to. The last 3 characters of the code specify a particular branch. 'XXX' represents the bank's head office.

If you're not sure what the SWIFT code of your branch is, you can use the 8-digit head office SWIFT code. For example, UMB Bank's head office SWIFT code is UMKCUS44.

Here's a summary of the code structure:

Remember, the SWIFT code is unique for each branch, so make sure to use the correct one to avoid any issues with your transfer.

Commercial Documentary Collections

Commercial Documentary Collections can be a complex process, but UMB’s online platform can help streamline it.

UMB’s online platform is designed to handle the paperwork for Commercial Documentary Collections efficiently.

UMB's online platform can process this paperwork for Commercial Documentary Collections, making it easier to manage international business transactions.

Curious to learn more? Check out: Commercial Bank of Ethiopia Swift Code

UMB Bank Swift Code Details

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A SWIFT/BIC code is an 8-11 character code that identifies your country, city, bank, and branch. It's a unique identifier that helps facilitate international money transfers.

The SWIFT/BIC code is made up of several components, including a bank code, country code, location code, and branch code. The bank code is a shortened version of the bank's name, usually 4 letters.

Here's a breakdown of the components:

  • Bank code: A-Z4 letters representing the bank.
  • Country code: A-Z2 letters representing the country the bank is in.
  • Location code: 0-9A-Z2 characters made up of letters or numbers, specifying where the bank's head office is.
  • Branch Code: 0-9A-Z3 digits specifying a particular branch, or 'XXX' for the bank's head office.

For example, the SWIFT code UMKCUS44STY has a bank code of UMKCUS, a country code of US (for the United States), a location code of 44, and a branch code of STY.

N.A

The bank name associated with the N.A designation is UMB BANK, N.A. This bank name appears in the article section as the name of the bank and the branch.

The country where UMB BANK, N.A. is located is the United States.

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UMB Bank Swift Code Details

The UMB Bank Swift code is an 8-11 character code that identifies the bank's country, city, and branch.

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A SWIFT/BIC code consists of four parts: bank code, country code, location code, and branch code.

The bank code is a 4-letter code that represents the bank, often a shortened version of its name.

The country code is a 2-letter code that represents the country where the bank is located.

The location code is a 2-character code made up of letters or numbers that indicates the bank's head office location.

The branch code is a 3-digit code that specifies a particular branch, with 'XXX' representing the bank's head office.

Here's a breakdown of the UMB Bank Swift code:

The UMB Bank Swift code for a specific branch can be longer than 8 characters, but the first 8 characters are the most important for money transfers.

International Transactions

As a business owner, you're likely no stranger to making international transactions. In fact, the U.S. dollar (USD) has been the world's dominant currency for many years, leading many U.S. businesses to assume that all foreign trade partners prefer to do business in USD.

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This assumption isn't entirely unfounded, as wiring U.S. dollars is indeed an easy process. However, it's not necessarily the most convenient option for your foreign trade partners. In reality, it's just as easy to request your banker to make the exchange for a foreign currency.

SWIFT, the Society for Worldwide Interbank Financial Telecommunication, can help you expedite money movement overseas. As a member of SWIFT, we can facilitate international transactions with ease.

Here are some common foreign currencies and their corresponding codes:

This table showcases some of the most commonly used foreign currencies and their corresponding codes, bank names, and countries.

Understanding Swift Code

A SWIFT code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers.

A SWIFT code is usually an 8- or 11-digit number with the following format: AAAABBCCDDD. This stands for four-character bank code (letters), two-character country code (letters), two-character location (institution's headquarters) code (numbers or letters), and (optional) three-character branch code.

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The bank code is a shortened version of the bank's name, usually four letters. The country code is two letters representing the country the bank is in. The location code is two characters made up of letters or numbers, indicating where the bank's head office is. The branch code is three digits specifying a particular branch, or 'XXX' for the bank's head office.

Here's a breakdown of the different parts of a SWIFT code:

A SWIFT code is unique for each UMB Bank branch, and using the wrong code can cause delays or errors in international wire transfers. If you're unsure, you can use the 8-digit head office SWIFT code – UMKCUS44 – to ensure the payment reaches your account.

Frequently Asked Questions

What is the UMB SWIFT code?

The UMB SWIFT code is MBGHGHAC XXX, which is used for international transactions with Universal Merchant Bank Ltd in Ghana. This code facilitates secure and efficient cross-border payments.

Is the SWIFT code same for all branches?

The SWIFT code may be the same for all branches or unique to each branch, depending on the bank. Check the bank's head office code as a safe alternative if unsure.

Antoinette Cassin

Senior Copy Editor

Antoinette Cassin is a seasoned copy editor with over a decade of experience in the field. Her expertise lies in medical and insurance-related content, particularly focusing on complex areas such as medical malpractice and liability insurance. Antoinette ensures that every piece of writing is clear, accurate, and free of legal and grammatical errors.

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