Nigerian Banks and Their SWIFT Codes for International Transfers (2026 Updated List)
SWIFT codes are essential for sending and receiving international money transfers. Whether you are receiving payments from abroad, processing freelance earnings, tuition fees, or business transactions, having the correct SWIFT/BIC code helps ensure fast and secure transfers.
A SWIFT code, also known as a Bank Identifier Code (BIC), is a unique identification code used by banks worldwide for international financial transactions.
Below is the updated list of major Nigerian banks and their SWIFT codes in 2026.
Full List of Nigeria Banks and SWIFT Codes
- Access Bank:…………..ABNGNGLA
- First Bank of Nigeria:……..FBNINGLA
- Zenith Bank:………………ZEIBNGLA
- Guaranty Trust Bank (GTBank):………GTBINGLA
- United Bank for Africa (UBA):……..UNAFNGLA
- Ecobank Nigeria:………….ECOCNGLA
- Fidelity Bank:………….FIDTNGLA
- Union Bank:……………UBNINGLA
- Stanbic IBTC Bank:…………SBICNGLX
- First City Monument Bank (FCMB):………..FCMBNGLA
- Sterling Bank:……..NAMENGLA
- Wema Bank:………..WEMANGLA
- Polaris Bank:…………..POLUNGLA
- Keystone Bank:………….KEYTNGLA
- Jaiz Bank:……………….….JAIZNGLA
- Unity Bank:……………..ICITNGLA
- Providus Bank:…..…….PRDTNGLA
- Titan Trust Bank:………….TTLBNGLA
What Is a SWIFT Code?
A SWIFT code is an international banking identification system used to identify specific banks during overseas transfers. It usually contains 8 or 11 characters that represent the bank, country, location, and branch.
For example: GTBINGLA
GTBI = GTBank
NG = Nigeria
LA = Lagos
This code helps international banks process transactions accurately without delays.
Why SWIFT Codes Are Important
SWIFT codes are needed for:
- Receiving international payments
- Foreign business transactions
- Freelance payments from platforms abroad
- Tuition and school fee transfers
- Sending money to Nigerian bank accounts from overseas
Online global banking services
Using the wrong SWIFT code can delay or fail a transaction, so users are advised to verify details directly with their banks before processing payments.
How to Find Your Bank’s SWIFT Code
You can easily find your bank’s SWIFT code through:
- Official bank websites
- Mobile banking apps
Internet banking portals - Customer care support
- Your bank statement
Most Nigerian banks also display their SWIFT/BIC details in the international transfer section of their websites.
Tips Before Receiving International Transfers
Before someone sends money to your Nigerian bank account, ensure you provide:
- Correct account name
- Accurate account number
- Bank name
- SWIFT code
- Branch information if required
Some international banks may also request your bank address during the transfer process.
Conclusion
SWIFT codes remain an important part of international banking in Nigeria. Whether you are a freelancer, student, entrepreneur, or salary earner receiving funds from abroad, knowing the correct SWIFT code for your bank can help prevent delays and transaction issues.
Always confirm your bank’s current SWIFT code from official banking channels before initiating international transfers.
