IFSC Code (Indian Financial System Code?)

It is an 11-digit alphanumeric code that is used for NEFT, RTGS and IMPS fund transfers. IFSC CODE of all banks is assigned by the Reserve Bank of India (RBI). Each code is unique one and helps in the identification of a specific bank branch.

The first four digits of the IFSC code represent the name of the bank, while the fifth digit is �zero� (0), which is reserved for future use. The last 6 digits denote the name of the specific bank branch. For example, the SBI IFSC code of the SBI bank branch in Indiranagar is SBIN0003301.

IFSC code is mandatory for fund transfers initiated through net banking. To know the IFSC code of a particular bank branch, you can look it up online. This 11-digit code is also printed on the cheque leaf that is issued by the concerned home bank branch. 

You can search through 90,000+ IFSC Codes of 125+ Banks in India! We are making earnest efforts in keeping the information updated by adding IFSC codes of banks as they get available on RBI website.

The easiest way to find the IFSC Code for a Bank is by using an online search engine.

Simply type in the bank name, branch name, and city/town in the search box, and you will be able to find the IFSC Code.

Alternatively, you can visit the website of the bank and check the list of IFSC Codes provided on the website: www.ifsccodefind.com

IFSC National Electronic Funds Transfer (NEFT) transfer is a way of transferring funds from one bank account to another using the Indian Financial System Code (IFSC). It requires the sender’s and recipient’s bank account details and the IFSC of both banks to identify the branch and facilitate the transfer. NEFT stands for National Electronic Funds Transfer and is an electronic mode of transferring money from one bank account to another. It is a safe and secure mode of transferring funds.

IFSC RTGS (Indian Financial System Code Real Time Gross Settlement) is an electronic payment system used by banks in India to make real-time, inter-bank transfers. RTGS is used to transfer funds from one bank to another, usually within the same country. With RTGS, transfers are processed quickly and securely, with same-day settlement. This makes it an attractive option for businesses and individuals who need to transfer large sums of money.

IMPS (Immediate Payment Service) is an instant interbank electronic fund transfer service through mobile phones. It works 24×7, even on banking holidays and weekends. You can transfer money from one bank account to another instantly using IFSC Code via mobile phones. IMPS transfers may have a maximum limit of up to Rs. 2 lakhs in some banks. The beneficiary account is credited immediately when a fund transfer is made through IMPS.

UPI(Unified Payment Interface) is a payment system launched by the National Payments Corporation of India (NPCI) that facilitates instant fund transfer between two bank accounts on a mobile platform. UPIallows customers to transfer money instantly using their smartphone, without any charges, through a secure banking infrastructure.

Almost all of us transfer money regularly to our friend's and family members' bank accounts. There are many ways to transfer money to someone else bank account: NEFT, RTGS, IMPS, UPI, etc. Among these money transfer options NEFT, RTGS, IMPS are in use for a really long time. In comparison, UPI is a fairly new money transfer system and very popular as of now.

Undoubtedly, UPI is a convenient way to send money but it is several limitations. Like one can't transfer more than 1 lakh rupees using UPI on a given day. So, If you want to transfer an amount higher than 1 lakh rupees you will have to use the traditional money transfer systems like NEFT, RTGS, and IMPS. Usually, transfer limits on these systems are somewhere around 10 lakhs to 20 lakhs in some banks.

These systems are in use from the time when digital banking was not so popular. One can facilitate an NEFT or RTGS transfer even by visiting the branch of a bank. Nowadays it is possible to transfer money using NEFT, RTGS, or IMPS by Internet Banking or Mobile Banking. If you have ever tried to transfer money using NEFT or IMPS whether online or offline you might be asked to provide the IFSC Code of the bank account in which you want to transfer the money.

If you don't know the IFSC Code then you ask for it from the person to whom you are sending the money. There is no one fixed IFSC Code for every bank or city. It varies between each branch and bank. You might be curious to know what is this IFSC Code and why it is so relevant while doing money transfers. Here, in this article, I have explained all about ISFC Code. What are IFSC Code, its features, and use cases? So, stay tuned.

What is IFSC Code?

Let's start with understanding the full form of the IFSC Code. The IFSC Code is a short form of the Indian Financial System Code. It is a unique 11 digit Alphanumeric code provided by the Reserve Bank of India to facilitate money transfer across banks. When digital banking was in its infancy there was no way to transfer money instantly between two different banks. RBI came with the solution of the IFSC Code. A unique code was provided to each branch of supported banks. The main purpose was to identify a branch by this code.

You might be thinking why an IFSC Code is 11 digit. Let me explain it to you. The first four-digit of an IFSC Code denotes a Bank name and the last 6 digits denote the specific branch of the bank. The fifth character in between bank name and branch name is Zero. As an example, if an IFSC Code is HDFC0002773 then HDFC is the bank name and 002773 is the branch code. Separating the two of them is a zero. I hope from now whenever you will see an IFSC Code you will be able to understand its different characters.

IFSC Code Features

Let's understand some of the features of the IFSC Code now. An IFCS code helps in identifying branches of a bank. There are thousands of branches for many public and private banks. If there is no unique code assigned to them how can we differentiate between them? Giving a code will help in identifying those branches.

The most useful feature of the IFSC Code is to facilitate money transfer without any errors. If a person has entered the correct IFSC Code and bank details then there is little room for an error. Another feature of the IFSC Code is its ability to get used in different money transfer systems like NEFT, RTGS, and IMPS. So, whether you are looking to transfer money using any of these methods IFSC Code will do the job.

Bank IFSC Code Vs Credit Card IFSC Code

If you have a Credit card you might have got a Credit Card IFSC Code. You will be thinking about how the Credit card IFSC Code is different from your bank IFSC Code. The main difference here is Bank IFSC Code is different for all branches whereas Credit Card IFSC Code remains the same for a bank throughout all its branches. So let's say your Credit Card IFSC Code is HDFC0002773, it will same for all the other Credit Cardholders of the bank.

FAQs

What is the full form of the IFSC Code?

The full form of the IFSC Code is the Indian Financial System Code.

Why is IFSC Code used?

IFSC Code is used to facilitate money transfer across banks in the transfer methods like NEFT, RTGS, and IMPS. 

Are IFSC and SWIFT codes the same?

No, IFSC Code and SWIFT Code are not the same. Both these codes are completely different. IFSC Code is given to each branch whereas some banks have one SWIFT Code to process every International transaction.

Final Words

So this is all about IFSC Code. I hope now you have a better idea about IFSC Code and why it is important in our banking system. The significance of the IFSC Code is very high in the banking system as it is required in money transfer methods like NEFT, RTGS, and IMPS. What are your thoughts about IFSC Code? Do let us know in the comments.

Blog Idea: Understanding Bank of Baroda IFSC Code - A Comprehensive Guide

Introduction

Briefly introduce the concept of IFSC code and its importance in banking transactions.

Highlight the significance of Bank of Baroda IFSC code in facilitating secure and efficient fund transfers.

What is Bank of Baroda IFSC Code?

Explain that IFSC code stands for Indian Financial System Code.

Discuss how the code is a unique alphanumeric identifier assigned to each bank branch in India.

Emphasize that Bank of Baroda IFSC code helps in identifying the source and destination of funds during electronic transfers.

Structure of Bank of Baroda IFSC Code

Explain the format of Bank of Baroda IFSC code, which consists of 11 characters.

Break down the code into different sections and explain the meaning of each section.

Provide an example of a Bank of Baroda IFSC code to illustrate the structure.

Finding Bank of Baroda IFSC Code

Discuss various methods to find Bank of Baroda IFSC code:

Bank's official website: Explain how users can navigate through the bank's website to find the IFSC code.

Mobile banking app: Highlight the convenience of using the bank's mobile app to access the IFSC code.

Third-party websites: Mention reliable online platforms that provide accurate IFSC codes for Bank of Baroda branches.

Importance of Bank of Baroda IFSC Code

Explain the significance of Bank of Baroda IFSC code in different banking transactions:

Fund transfers: Discuss how the code ensures accurate routing of funds between sender and receiver.

Online payments: Explain how the code helps in verifying the authenticity of the beneficiary's bank account.

NEFT, RTGS, and IMPS: Highlight how Bank of Baroda IFSC code is essential for initiating these electronic transfer systems.

Common FAQs about Bank of Baroda IFSC Code

Address common queries and doubts regarding Bank of Baroda IFSC code:

Can the IFSC code be used for international transactions?

Is the IFSC code the same for all branches of Bank of Baroda?

What should I do if I enter the wrong IFSC code during a transaction?

Conclusion

Recap the importance of Bank of Baroda IFSC code in ensuring secure and accurate fund transfers.

Encourage readers to make use of the provided methods to find the IFSC code for their specific banking needs.

Highlight the convenience and reliability of Bank of Baroda's online resources for accessing the IFSC code.

Note: This outline is written in Markdown format, which is a lightweight markup language used for formatting text.

What is IFSC Code?

IFSC Code, also known as Indian Financial System Code, is a unique alphanumeric code assigned to each bank branch in India. It is used for electronic funds transfer, such as NEFT, RTGS, and IMPS, within the country. The Reserve Bank of India (RBI) is responsible for assigning and maintaining these codes.

IFSC Code Features

Uniqueness: Each bank branch has a unique IFSC code, which helps in identifying the bank and branch for any financial transaction.

Accuracy: IFSC codes are designed to be error-free, ensuring that funds are transferred to the correct bank branch.

Easy Identification: The alphanumeric structure of IFSC codes makes it easy to identify the bank and branch associated with it.

Nationwide Usage: IFSC codes are used for electronic funds transfer across all banks and branches in India.

Bank IFSC Code Vs Credit Card IFSC Code

Bank IFSC codes are used for inter-bank transactions, whereas credit card IFSC codes are used specifically for credit card payments. While the structure and format of both codes are similar, they serve different purposes.

Bank IFSC codes are used for various types of electronic funds transfer, including NEFT, RTGS, and IMPS. On the other hand, credit card IFSC codes are used only for making credit card payments through NEFT.

What is the full form of the IFSC Code?

The full form of IFSC Code is "Indian Financial System Code".

Why is IFSC Code used?

IFSC codes are used to facilitate secure and efficient electronic funds transfer within India. They help in identifying the bank and branch involved in the transaction, ensuring that the funds are transferred to the correct recipient. IFSC codes also play a crucial role in minimizing errors and streamlining the process of online banking.

Are IFSC and SWIFT codes the same?

No, IFSC codes and SWIFT codes are not the same. While IFSC codes are used for domestic transactions within India, SWIFT codes are used for international transactions. SWIFT codes are assigned to banks worldwide and are used to identify the bank and country involved in international fund transfers.

Indian Financial System Code (IFSC) is a eleven digit code provided by the Reserve Bank of India (RBI) for identifying bank branches in India individually. This code is used for NEFT and RTGS.

The code consists of 11 characters. The first part is the first four alphabet characters represent the Bank. Next character is zero(0), which is reserved for use in the future. The last six characters are the branch code.

The [bank] IFSC code is 11 characters?
Example: [ifsccode]

• [bankcode]The first four digits of the IFSC code represents the name of the [bank].
• The fifth digit is ‘zero’ (0),
• [branchcode] The last 6 digits denote the name of the specific [bank] [branch] branch

What is [bank] [branch] MICR Code?

Magnetic Ink Character Recognition (MICR) is a printing technology that is used to print alpha-numeric details. MICR Code is printed on cheques and they allow the cheque to be processed easily.

[branch] Branch Information

Indian Financial System Code, Magnetic Ink Character Recognition, SWIFT Code, Address and Contact number of [bank] - [branch] branch in [district] district which is in the state of [state] . Branch office and ATM location.

What is [bank] [state] [district] [branch] RTGS?

Real Time Gross Settlement (RTGS) is a fund transfer mechanism which is used to transfer money from one bank to another. This gross basis transfer happens in realtime, hence the name. Minimum amount that can be transferred through RTGS is Rs. 2,00,000. Fees to process RTGS will be applicable.

What is [bank] [branch] [district] NEFT?

National Electronic Fund Transfer (NEFT) is an online money transfer system which is supported by RBI. NEFT is used for medium and small amount transfer between accounts and banks. There is no minimum amount limit to send money via NEFT.

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Blog Idea: Understanding the Importance of SBI IFSC Code in Financial Transactions

Introduction

Briefly explain the concept of IFSC code

Highlight the significance of State Bank of India (SBI) as one of the largest banks in India

What is SBI IFSC Code?

Define IFSC code as a unique identification code assigned to each branch of SBI

Explain the structure of the code and its components

Emphasize the importance of IFSC code in online banking transactions

Role of SBI IFSC Code in Financial Transactions

Discuss how IFSC code enables secure and accurate fund transfers

Explain how the code helps in identifying the recipient bank and branch

Highlight the role of IFSC code in various transactions, such as NEFT, RTGS, and IMPS

Finding the SBI IFSC Code

Provide step-by-step instructions on how to find the IFSC code of an SBI branch

Mention the different sources for obtaining the code, such as bank statements, passbooks, and online platforms

Benefits of Knowing the SBI IFSC Code

Discuss the convenience of having the IFSC code readily available

Explain how knowing the code saves time and eliminates errors during transactions

Highlight the importance of accurate IFSC code for successful fund transfers

Common Mistakes to Avoid with SBI IFSC Code

Identify common errors people make while entering the IFSC code

Provide tips to avoid these mistakes and ensure smooth transactions

Conclusion

Recap the importance of SBI IFSC code in financial transactions

Encourage readers to always verify the code before initiating any online banking transaction

Highlight the convenience and security offered by SBI IFSC code

Note: The above outline is written in Markdown format.

Indian Financial System Code (IFSC) is a eleven digit code provided by the Reserve Bank of India (RBI) for identifying bank branches in India individually. This code is used for NEFT and RTGS.

The code consists of 11 characters. The first part is the first four alphabet characters represent the Bank. Next character is zero(0), which is reserved for use in the future. The last six characters are the branch code.

The [bank] IFSC code is 11 characters?
Example: [ifsccode]

• [bankcode] The first four digits of the IFSC code represents the name of the Allahabad Bank.
• The fifth digit is ‘zero’ (0),
• [branchcode] The last 6 digits denote the name of the specific [bank] [branch] branch

[ifsccode] [branch] Branch Information

Indian Financial System Code, Magnetic Ink Character Recognition, IFSC Code, Address and Contact number of [bank] - [branch] branch in [district] district which is in the state of [state] Branch office and ATM location.

What is [bank] [branch] RTGS?

Real Time Gross Settlement (RTGS) is a fund transfer mechanism which is used to transfer money from one bank to another. This gross basis transfer happens in realtime, hence the name. Minimum amount that can be transferred through RTGS is Rs. 2,00,000. Fees to process RTGS will be applicable.

What is [bank] [branch] [district] NEFT?

National Electronic Fund Transfer (NEFT) is an online money transfer system which is supported by RBI. NEFT is used for medium and small amount transfer between accounts and banks. There is no minimum amount limit to send money via NEFT.

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How to Find Indian Bank IFSC Code

If you are an Indian bank account holder, you may have come across the term "IFSC code" while making online transactions or transferring funds. IFSC code, also known as Indian Financial System Code, is a unique 11-digit alphanumeric code that is assigned to each bank branch in India. It plays a crucial role in ensuring secure and accurate electronic fund transfers.

Importance of IFSC Code

The IFSC code serves as an identifier for a particular bank branch and is required for various online banking transactions. Whether you want to transfer funds to another bank account, make payments using NEFT (National Electronic Funds Transfer) or RTGS (Real Time Gross Settlement), or even receive money from abroad through the SWIFT network, the IFSC code is essential to ensure that the funds reach the intended recipient without any errors.

Finding the IFSC Code

Now that we understand the significance of the IFSC code, let's explore the different ways to find it:

1. Bank's Website

The easiest and most reliable way to find the IFSC code of an Indian bank branch is by visiting the bank's official website. Most banks have a dedicated section on their website where you can search for the IFSC code of any branch. Simply navigate to the "Branch Locator" or "Find IFSC Code" page, enter the required details such as the bank name, state, district, and branch name, and the IFSC code will be displayed.

2. Cheque Book or Passbook

Another convenient way to find the IFSC code is by referring to your bank's cheque book or passbook. The IFSC code is usually printed on the top or bottom of a cheque leaf or mentioned on the first page of the passbook. Look for a series of 11 alphanumeric characters, and that will be your branch's IFSC code.

3. Online IFSC Code Search Engines

Several online platforms provide comprehensive databases of IFSC codes for all Indian banks. These websites allow you to search for the IFSC code by entering the bank name, state, district, and branch details. Some popular IFSC code search engines include the official website of the Reserve Bank of India (RBI), BankBazaar, and IFSC Code.

4. Mobile Banking Apps

If you have installed your bank's mobile banking application, you can easily find the IFSC code of any branch. Open the app, navigate to the branch locator or search option, and enter the required details to retrieve the IFSC code. This method is particularly convenient for those who prefer accessing banking services on their smartphones.

Conclusion

Knowing the IFSC code of your bank branch is essential for hassle-free and secure online banking transactions. Whether you choose to visit your bank's website, refer to your cheque book or passbook, use online IFSC code search engines, or rely on mobile banking apps, finding the IFSC code has never been easier. So, the next time you need to make an online transaction, remember to have the IFSC code handy to ensure a smooth transfer of funds.

The full form of MICR is Magnetic Ink Character Recognition technology. The primary need for this innovation is to authenticate the originality and legality of paper based documents in the banking system and is majorly used on cheques. In terms of their real-world importance, MICR stands on par with IFSC where transfer of funds using NEFT or IMPS is concerned.

MICR code imbibes the cutting-edge character recognition technology that is used by banks to authenticate the clearance of cheques and other such documents. MICR code itself can be seen placed on the bottom strip of the cheque and includes such details as the bank code, account details, cheque number and amount, alongside a control indicator. The principal advantage of this system is that unlike similar concepts like barcodes, MICR can be easily distinguished and read by humans.

The full form of MICR is Magnetic Ink Character Recognition technology. The primary need for this innovation is to authenticate the originality and legality of paper based documents in the banking system and is majorly used on cheques. In terms of their real-world importance, MICR stands on par with IFSC where transfer of funds using NEFT or IMPS is concerned.

MICR code imbibes the cutting-edge character recognition technology that is used by banks to authenticate the clearance of cheques and other such documents. MICR code itself can be seen placed on the bottom strip of the cheque and includes such details as the bank code, account details, cheque number and amount, alongside a control indicator. The principal advantage of this system is that unlike similar concepts like barcodes, MICR can be easily distinguished and read by humans.

The full form of MICR is Magnetic Ink Character Recognition technology. The primary need for this innovation is to authenticate the originality and legality of paper based documents in the banking system and is majorly used on cheques. In terms of their real-world importance, MICR stands on par with IFSC where transfer of funds using NEFT or IMPS is concerned..

MICR code imbibes the cutting-edge character recognition technology that is used by banks to authenticate the clearance of cheques and other such documents. MICR code itself can be seen placed on the bottom strip of the cheque and includes such details as the bank code, account details, cheque number and amount, alongside a control indicator. The principal advantage of this system is that unlike similar concepts like barcodes, MICR can be easily distinguished and read by humans.

What is the use of MICR code?

MICR is a technology that helps in verifying the originality of cheques or other paper documents. It is used mainly by banks to process cheques faster. The MICR code helps RBI in identifying the bank branch.

What is [bank] MICR Code?

Magnetic Ink Character Recognition (MICR) is a printing technology that is used to print alpha-numeric details. MICR Code is printed on cheques and they allow the cheque to be processed easily.

[branch] Branch Information

Indian Financial System Code, Magnetic Ink Character Recognition, SWIFT Code, Address and Contact number of [bank] - [branch] branch in [ditrict]  district which is in the state of [state]. Branch office and ATM location.

What is  [bank] [branch] RTGS?

Real Time Gross Settlement (RTGS) is a fund transfer mechanism which is used to transfer money from one bank to another. This gross basis transfer happens in realtime, hence the name. Minimum amount that can be transferred through RTGS is Rs. 2,00,000. Fees to process RTGS will be applicable.

What is  [bank] [branch] NEFT?

National Electronic Fund Transfer (NEFT) is an online money transfer system which is supported by RBI. NEFT is used for medium and small amount transfer between accounts and banks. There is no minimum amount limit to send money via NEFT.

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The full form of MICR is Magnetic Ink Character Recognition technology. The primary need for this innovation is to authenticate the originality and legality of paper based documents in the banking system and is majorly used on cheques. In terms of their real-world importance, MICR stands on par with IFSC where transfer of funds using NEFT or IMPS is concerned..

MICR code imbibes the cutting-edge character recognition technology that is used by banks to authenticate the clearance of cheques and other such documents. MICR code itself can be seen placed on the bottom strip of the cheque and includes such details as the bank code, account details, cheque number and amount, alongside a control indicator. The principal advantage of this system is that unlike similar concepts like barcodes, MICR can be easily distinguished and read by humans.

What is the use of MICR code?

MICR is a technology that helps in verifying the originality of cheques or other paper documents. It is used mainly by banks to process cheques faster. The MICR code helps RBI in identifying the bank branch.

What is [bank] MICR Code?

Magnetic Ink Character Recognition (MICR) is a printing technology that is used to print alpha-numeric details. MICR Code is printed on cheques and they allow the cheque to be processed easily.

[branch] Branch Information

Indian Financial System Code, Magnetic Ink Character Recognition, SWIFT Code, Address and Contact number of [bank] - [branch] branch in [ditrict]  district which is in the state of [state]. Branch office and ATM location.

What is  [bank] [branch] RTGS?

Real Time Gross Settlement (RTGS) is a fund transfer mechanism which is used to transfer money from one bank to another. This gross basis transfer happens in realtime, hence the name. Minimum amount that can be transferred through RTGS is Rs. 2,00,000. Fees to process RTGS will be applicable.

What is  [bank] [branch] NEFT?

National Electronic Fund Transfer (NEFT) is an online money transfer system which is supported by RBI. NEFT is used for medium and small amount transfer between accounts and banks. There is no minimum amount limit to send money via NEFT.

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PIN code stands for Postal Index Number code. Postal Index Number (PIN) or PIN Code is a 6 digit code of Post Office numbering used by India Post. Indian Postal Service introduced the 6 Digit Zip code or PIN Code on 15th August 1972, inorder to make the process of delivering letters and parcels more efficient.

The Indian Postal Service has designated 9 specific PIN regions across the country, out of which 8 are geographical regions and the 9th is reserved for the Indian Army.

Your pin code is a personal code that is unique to you. It is not something that anyone else can answer for you.There is no such thing as a "pin code finder." Pin codes are often used to protect access to a secure system or device, and they are not typically available to the public. you can search here:https://ifsccodefind.com/pin-code/

Pin codes (Postal Index Number or PIN) are post codes used in India to identify an exact location by the Indian Postal Department. It is a 6 digit code which helps to identify the particular location more accurately.

PIN code stands for Postal Index Number code. Postal Index Number (PIN) or PIN Code is a 6 digit code of Post Office numbering used by India Post. Indian Postal Service introduced the 6 Digit Zip code or PIN Code on 15th August 1972, inorder to make the process of delivering letters and parcels more efficient.

The Indian Postal Service has designated 9 specific PIN regions across the country, out of which 8 are geographical regions and the 9th is reserved for the Indian Army.

Structure of Pin Code (Postal Index Number)

Each digit in the 6-digit number has a specific meaning. The first digit designates which is the overall geographical region, and the first 2 digits designate the postal circle or sub-region. The third digit designates the sorting distrazict. Thus the first 3 digits collectively designate the postal district while the last 3 digits indicate the specific post office within the district.

The [office] Post Office PIN Code is 6 characters?

• The first digit indicates: [region] City region = [regioncode]
• The first 2 digits indicate: postal circle [circle] = [circlecode]
• The third digit indicates: [district] district = [districtcode]
• The last 3 digits indicate: the specific post office [office] = [officecode]
• Thus the 6 digit pincode for [office] in [district] = [pincode]

[office] [district] [state] pin code

[office] , Post office [office] Post Office Address is Post Master, [office], [office] Post Office, Town/Taluk, [district] District, [state] State, India

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[office]  post  [district]  district  [state] pin code post office data, search indian post office Pin codes directory! Find Postal codes.

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SWIFT CODE is an international bank code that is used to identify banks for international money transfers. It typically consists of 8-11 characters and is used mainly for international wire transfers.

A Bank Identifier Code (BIC) is a standard format used to help identify banks worldwide. You'll need a BIC for someone to send you an international payment, such as a SWIFT payment. This is why a BIC is sometimes called a SWIFT code. Nationwide's BIC is NAIAGB123.

SWIFT CODE is an international bank code that identifies institutions and financial entities. It was established by the Society for Worldwide Interbank Financial Telecommunication (SWIFT).A SWIFT code is composed of 8 or 11 characters, broken down as follows:4 letters: Institution Code or bank code.2 letters: ISO 3166-1 alpha-2 country code2 letters or digits: Location Code3 letters or digits: Branch Code, optional ('XXX' for the main office)Optional: 1 letter: checksum (only used with some closed software solutions).