Bank Code

What Bank Code does

Bank.Codes (operated by Wise Payments Ltd., England and Wales company number 07209813) is an online directory and validation service for bank identification codes used in international and domestic money transfers. The platform provides lookup tools and validators for SWIFT/BIC codes (100,000+ records), US ABA routing numbers (18,000+ records), IBAN structures across 77+ countries, and country-specific identifiers including Australian BSB, Indian IFSC, Irish NSC, Mexican CLABE, New Zealand NCC, and Nigerian NUBAN. It also offers IBAN generation/calculation and format documentation. The site is available in 13–14 languages via localized country domains and serves over 500,000 users monthly, primarily through organic search traffic.

Name

Bank Code

Legal name

Wise Payments Ltd.

Website

https://bank.codes

Company type

Private

Operating status

Operating

Short description

Bank.Codes is a free online directory owned by Wise that provides lookup and validation tools for SWIFT codes, IBAN numbers, and country-specific bank codes, serving 500,000+ monthly users and offering paid API access for enterprise customers via bankcodesapi.com.

Ownership category

akta.pro rank

Product category

Financial Reference Data / Banking Identifier Lookup

NAICS

Credit Bureaus (561450)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro industry

PRIMARYFSAMAHAK

Wire/RTP Directory, Alias & Recipient Validation Services

Financial & Insurance/Payments & Transaction Processing/Wire & Real-Time Payments (RTP) Processing

SECONDARYFSAGAKAH

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity)

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

SECONDARYFSABAIAF

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Transaction Banking (Cash Management & Treasury Services)

Keywords

• Bank code lookup
• SWIFT code validation
• IBAN verification
• Routing number search
• Banking reference data

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Affiliate/Referral Revenue: The platform monetizes through affiliate links and referrals to Wise for international money transfer services, earning referral fees when users click through to sign up for Wise accounts
2. API Access for Business Customers: The site was acquired by Wise specifically for their API product (bankcodesapi.com), which is offered to business and enterprise customers as a paid service

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Bank.Codes operates a free online directory that allows users to find and verify SWIFT/BIC codes, IBAN numbers, US routing numbers, and country-specific bank identifiers (BSB, IFSC, NSC, CLABE, NCC, NUBAN). It also offers a paid Bank Codes API for businesses that need programmatic access to bank code validation and lookup data. The site is a directory/reference utility, not a bank or financial institution, and is owned by Wise.

Product overview

Bank.codes is a directory website providing lookup and validation tools for bank identification codes used in international and domestic money transfers. The core offering consists of SWIFT Code tools (Finder and Checker) for identifying banks globally, IBAN services (Validation, Calculator, Format Structure, and Examples) for international account number handling, and US Routing Number tools (Search and Checker). Additional country-specific bank code validators cover Australia (BSB), India (IFSC), Ireland (NSC), Mexico (CLABE), New Zealand (NCC), and Nigeria (NUBAN). The platform supports 14 languages and serves over half a million users monthly. The site is owned by Wise (formerly TransferWise) and offers API access for business and enterprise customers.

Differentiator

Problem solved

Functional benefit

Products and services

• SWIFT Code Finder
• SWIFT Code Checker
• IBAN Validation
• IBAN Calculator
• IBAN Format & Structure
• IBAN Examples
• US Routing Number Search
• US Routing Number Checker
• Australia BSB Number Checker
• India IFSC Code Checker
• Ireland NSC Checker
• Mexico CLABE Checker
• New Zealand NCC Checker
• Nigeria NUBAN Checker
• Bank Codes API

Quantifiable outcome

• Over 500,000 users find appropriate bank codes monthly

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Stripe: Global payment infrastructure platform supporting cross-border payouts and IBAN/SWIFT-based transfers. Comparable for the Bank Codes API's enterprise buyer profile — fintechs and platforms integrating routing-number/SWIFT/IBAN validation into their payment stacks.
• SWIFT: Operator of the SWIFT network and the authoritative source of the BIC/SWIFT code directory (SWIFTRef). Comparable because Bank.codes' proprietary database of 100,000+ SWIFT codes and SWIFT Checker product compete directly with SWIFT's own reference data and code-lookup tools used by banks and corporates.
• Western Union: Global incumbent in cross-border money transfers with proprietary agent and bank-code infrastructure. Comparable as an alternative recipient of the consumer traffic arriving at Bank.codes seeking SWIFT/IBAN data for international transfers.
• Wise: Parent company of Bank.codes (formerly TransferWise); a leading global cross-border money transfer platform that monetizes Bank.codes via affiliate referrals. Wise is comparable as the dominant counterparty in Bank.codes' only disclosed revenue channel and operates SWIFT/IBAN validation as part of its core international wire business.

Emerging players

• Plaid: Bank account and routing-number verification API used by fintechs, lenders and payroll providers. Comparable as an API-based bank-identifier and account-validation layer that competes with Bank.codes' enterprise Bank Codes API in payments-onboarding and ACH/wire workflows.
• MX: Financial data API platform providing account, routing, and transaction verification for fintechs and banks. Comparable as an enterprise API for bank-identifier resolution and account validation, sold into the same buyer personas as the Bank Codes API.
• Yodlee (Envestnet): Financial-data aggregation and account-verification API used by banks and fintechs. Comparable as a competing bank-identifier data and account-verification API that enterprises could substitute for the Bank Codes API in payment onboarding flows.
• Tink (Visa): Open banking account-verification and payment-initiation API now owned by Visa. Comparable as a programmable bank-identifier validation service that can replace static SWIFT/IBAN lookups with live account confirmation across European markets.

Direct peers

• Remitly: Cross-border money transfer fintech serving individual consumers — directly comparable to Wise. Both Remitly and Wise/Bank.codes compete for the same user who lands on bank-code directory pages intending to send international wires.
• IBAN.com: Free IBAN validator and SWIFT/BIC directory website. A directly comparable consumer directory offering free IBAN validation, SWIFT lookup, and country-specific bank-code tools — the same product category Bank.codes competes in for organic SEO traffic.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Code