- BIC, 8 characters
- MBGHGHAC
- BIC, 11 characters
- MBGHGHACXXX
- Country
- Ghana
- Address
- Airport City, Ssnit Emporium Accra 401 Ghana
Source: ISO 9362 BIC registry, head-office codes only, no branch codes. Check the code with the bank before sending a large transfer.
How MBGHGHAC is built
| Positions | Length | Meaning |
|---|---|---|
| 1–4 | 4 | MBGH Bank code |
| 5–6 | 2 | GH Country |
| 7–8 | 2 | AC Location |
| 9–11 | 3 | XXX Branch · XXX or omitted = head office |
Other SWIFT codes in Ghana
How to use MBGHGHAC for a transfer
Give the sender two things: the BIC MBGHGHAC (or MBGHGHACXXX if the form asks for 11 characters) and your account number at Universal Merchant Bank LTD. In Ghana the account number is the local one shown on the statement. Check both on your bank statement before sending a large amount: a wrong code delays the transfer or sends it back with fees.
The BIC (Business Identifier Code), commonly called SWIFT code, identifies a bank or institution in international payments. It has 8 or 11 characters: 4 letters for the institution, 2 for the country, 2 for the location, and an optional 3 for the branch. XXX, or no branch code at all, means the head office.
Questions
What is the SWIFT code of Universal Merchant Bank LTD?
The SWIFT/BIC code of Universal Merchant Bank LTD is MBGHGHAC. In the 11-character form it is MBGHGHACXXX, where XXX stands for the head office.
Is MBGHGHAC a SWIFT code or a BIC?
Both: BIC is the ISO 9362 name of the code, SWIFT the network that assigns it. MBGHGHAC is the same code under either name.
Do I also need the IBAN to receive money at Universal Merchant Bank LTD?
Ghana does not use the IBAN: give the BIC together with the local account number as shown on the statement.
Can I receive international transfers with iSwiss Pay?
Yes. The iSwiss Pay euro, US dollar and pound accounts each come with their own coordinates, including the BIC where applicable, and receive SWIFT and local transfers.
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Accounts in euros, US dollars and pounds, each with its own coordinates, held in full reserve.
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