# SWIFT Code vs BIC: What's the Difference and When You Need Each

DevFeed: [SWIFT Code vs BIC: What's the Difference and When You Need Each](<https://devfeed.tech/articles/swift-code-vs-bic-what-s-the-difference-and-when-you-need-each-10414.md>)

Original publisher: [Read original article](<https://dodopayments.com/blogs/swift-code-vs-bic-explained/>)

Author: Aarthi Poonia

Published: 2026-06-04T00:00:00Z

Content type: tutorial

Language: en

Sources: [Dodo Payments Blog](<https://devfeed.tech/sources/dodo-payments-blog.md>)

Topics: [Software as a service](<https://devfeed.tech/topics/saas.md>), [networking](<https://devfeed.tech/topics/networking.md>)

Tags: [bank](<https://devfeed.tech/tags/bank.md>), [cross-border](<https://devfeed.tech/tags/cross-border.md>), [financial](<https://devfeed.tech/tags/financial.md>), [global](<https://devfeed.tech/tags/global.md>), [glossary](<https://devfeed.tech/tags/glossary.md>), [guide](<https://devfeed.tech/tags/guide.md>), [iso](<https://devfeed.tech/tags/iso.md>), [payments](<https://devfeed.tech/tags/payments.md>), [routing](<https://devfeed.tech/tags/routing.md>), [saas](<https://devfeed.tech/tags/saas.md>)

## AI overview

This guide explains that SWIFT code and BIC are interchangeable names for the same bank identifier under ISO 9362. It covers the 8- or 11-character format, distinguishes SWIFT from IBAN and ABA routing numbers, and explains when SaaS businesses need the identifier for international payments.

## Source excerpt

SWIFT code and BIC explained for SaaS founders accepting global payments. Format, how to find one, ACH and SEPA equivalents, and when SWIFT actually matters.