Nigerian Banks Swift Codes (2025): Full List & How To Use Them

Introduction

You thought receiving money from abroad only involved putting your account number, bank name and account name, right?

Well, that’s not all; there is one last field you must enter before the money lands in your account or that of the person you want to send it to: SWIFT CODE.

If you were like me, a typical bushman from the trenches, you would wonder,
“Which kind of American wonder is this?”

After going through the stress of figuring things out, I’ve decided to help you, so you look informed when the SWIFT code is mentioned. In this guide, I’ll explain in clear terms all you need to know about SWIFT codes.

We’ll walk through:

• What a SWIFT code is and why it matters

• How SWIFT codes work for Nigerian banks

• A full list of SWIFT codes for major banks in Nigeria

• FAQs and tips for smooth international money transfers
  
  

Let’s dive in!

What is a SWIFT Code?

Let’s break it down without the grammar.
A SWIFT code (also called a BIC – Bank Identifier Code) is a unique identifier that tells foreign banks where exactly to send your money. Think of it like the digital address of your bank, so the funds don’t end up in Madagascar when they were meant for Mushin.

Example:

Let’s say someone from the US wants to send you dollars. Their bank will ask for:

• Your bank name

• Your account name

• Your account number

• And yes… your bank’s SWIFT code
  
  

Without that SWIFT code, the money will either bounce back or just float around like a WhatsApp group admin that never says anything.

How Do SWIFT Codes Work for Nigerian Banks?

SWIFT codes in Nigeria follow a standard format and are internationally recognised. They usually look like this:

AAAA BB CC DDD

• AAAA – Bank code (First four letters of your bank’s name)

• BB – Country code (For Nigeria, it’s always NG)

• CC – Location code (Tells which city)

• DDD – Optional branch code (Sometimes included for specific branches)
  
  

So, for example:
Access Bank's SWIFT code is ABNGNGLA
Here’s how it breaks down:

• ABNG = Access Bank

• NG = Nigeria

• LA = Lagos
  
  

Full List of SWIFT Codes for Major Nigerian Banks

Here’s the part you came for. Bookmark this or save it for future international transactions!

Note: If you're unsure whether your bank requires a specific branch code, call their customer service. Most major banks use a general code, especially for Lagos-based headquarters.

Why SWIFT Codes Matter for You

So why should you care about this at all?

Because your money might not arrive if you enter the wrong SWIFT code SHIKENA.

Let’s say you just got monetised with Google AdSense and you are entering your bank details on how to get paid, and you provide just your account number. That money may get stuck, delayed, or even bounced, costing you extra fees and serious headaches.

Here’s what can go wrong without a SWIFT code:

• Payment rejection

• Delays in receiving money

• Extra processing fees

• Stress from dealing with back-and-forth bank issues
  
  

In summary: No SWIFT, no pay.

Tips for Smooth International Transfers

Let’s save you from trial and error:

• Double-check your details: Make sure your account number, bank name, and SWIFT code are correct

• Ask the sender to use USD, GBP, or EUR, depending on where they are

• Use domiciliary accounts. I believe this is a better way than your Naira account. If you do not have a domiciliary account, see how to open a FirstBank domiciliary account or a Zenith Bank domiciliary account

• Avoid weekends or public holidays. Banks may not process foreign transactions until business days

• Watch out for scam attempts. Never share your bank login, just your account details

How Rapidbills Can Help

At Rapidbills.ng, we’re all about making money matters simple. Once that international money lands in your account, what's next?

You can:

• Convert that money to airtime and data

• Use it to pay electricity and TV bills

• Buy data bundles for yourself or resell to others

• Even convert excess airtime to cash (yes, really!)
  
  

So, after the dollars or euros hit your account using the right SWIFT code, Rapidbills helps you put them to good use quickly and stress-free.

Frequently Asked Questions (FAQs)

Q: Can I use the same SWIFT code for different branches of the same bank?
A: Yes, most banks in Nigeria use one general SWIFT code for all branches. If you're unsure, contact your bank.

Q: Is a SWIFT code the same as a routing number or IBAN?
A: Nope. A routing number is for local U.S. bank transfers. IBANs are mainly used in Europe. SWIFT is your go-to for international transfers to Nigeria.

Q: Do I need a domiciliary account to receive international payments?
A: Not always. Some banks allow international deposits in naira, but having a domiciliary account gives you more control over the currency and exchange rate.

Q: Where can I find my bank’s SWIFT code?
A: On your bank’s website, by contacting their support, or… just scroll back up this blog.

Final Thoughts

Now you know what a SWIFT code is, why it matters, and which one belongs to your bank. Whether you're hustling abroad or receiving love (and money) from someone overseas, this guide puts you in control.

No more confusion. No more “What’s a SWIFT code again?”

And when the money drops, don't let it sit idle use RapidBills.ng to make the most of it.

• Buy airtime 

• Pay bills 

• Convert excess data/airtime to cash 

• Get rewarded through trivia
  
  

The smarter way to spend your funds is here. You’ve got the SWIFT code, now get the swift service.