What are the Punjab National Bank SWIFT Codes?

The Punjab National Bank SWIFT code is a unique alphanumeric identifier used for securely routing international wire transfers directly to a PNB branch in India. It ensures that funds are being sent to the correct bank and branch while complying with the ISO 9362 standards. The most commonly used SWIFT code for PNB in India is 'PUNBINBBXXX'. The format typically consists of the bank code (PUNB), Country code (IN), Location code (BB), and Branch code (XXX). 

Punjab National Bank uses different codes for various branches, so you must verify the SWIFT code before making the transaction to avoid transaction rejections or delays. You can find the SWIFT code of PNB on your bank statement, online banking/mobile app, by contacting the home branch, or using online SWIFT code finder tools. In this blog, we will discuss everything you need to know about the Punjab National Bank SWIFT code. 

What is the Punjab National Bank SWIFT Code?

The Punjab National Bank SWIFT code is used for foreign wire transfers and global interbank communications, also known as a BIC (Bank Identifier Code). It complies with ISO 9362 standards and ensures that your international transactions are routed to the correct PNB branch. It enhances security and prevents the risk of fraud associated with international payments. 

You need to use Punjab National SWIFT codes often when you send money between banks, specifically for overseas transfers. These codes are important for transferring funds and exchanging messages between banks. The most commonly used Punjab National Bank SWIFT Code is 'PUNBINBBXXX'. This code identifies the bank's main office or primary branch for international payments in India and is used when the local branch code is not available/required. 

Structure & Format of PNB SWIFT Code

Punjab National Bank SWIFT code comprises 8-11 alphanumeric characters that indicate the bank, city, branch, and country. 

• Bank Code A-Z: It is the bank's name in an abbreviated form and consists of 4 letters. 

• Country Code A-Z: It indicates the country where the bank is situated and has 2 letters. 

• Location Code 0-9 A-Z: It consists of two characters, either numbers or letters, and denotes the PNB bank's head office's location. 

• Branch Code 0-9 A-Z: It represents three digits that indicate a particular branch, and 'XXX' denotes the bank's main office. 

List of Punjab National Bank SWIFT Codes in India

The table below highlights the PNB Bank SWIFT code list:

Importance of SWIFT Code for Punjab National Bank

Here are some importance of the Punjab National Bank SWIFT code:

• SWIFT codes help the bank in confirming that the money is being routed to the accurate PNB account.
• It allows people and businesses to send and receive money quickly and securely across long distances between banks. 
• These codes improve security and minimize fraud that comes along with international payments. 

Is the SWIFT Code the Same for All Branches of Punjab National Bank?

No, not all PNB branches use the same SWIFT codes, as some branches have different codes based on the branch and type of transaction. Using the wrong code can lead to delays, returns, or payments being sent to the wrong account. 

You must verify the accurate SWIFT code using a PNB bank SWIFT code finder tool or other ways to ensure your payment reaches the correct account securely. 

How to Find the Punjab National Bank SWIFT Code?

You have a few options to find the SWIFT code of PNB to either receive or send money:

• Visit your home branch and ask the officials for the branch's SWIFT code. 
• Call your branch's customer care number and ask for the specific PNB branch's SWIFT code. 
• Use online SWIFT/BIC finder tools online. 

Final Thoughts 

Punjab National Bank SWIFT codes are 8-11 characters used to ensure accurate, safe, and quick routing of international money transfers. It reduces the risk of fraud during international payments by ensuring the money reaches the correct account. The main SWIFT or BIC code for Punjab National Bank is 'PUNBINBBXXX', indicating the bank code (PUNB), country code (IN), location code (BB), and branch code (XXX).

Every PNB branch may use a unique SWIFT code, so you must verify the correct SWIFT code, as using the wrong code can result in transaction delays, rejections, or funds being sent to the wrong account. You can find the SWIFT code in the PNB online banking portal, bank statement, by contacting the specific branch, or by using SWIFT code finder tools online.

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