Question 1

Do you still need a BIC?

Accepted Answer

Inside SEPA, most euro transfers no longer require one: the IBAN alone is enough. You will still be asked for a BIC on many international transfers, older payment forms and some payroll or invoicing systems.

Question 2

BIC or SWIFT code?

Accepted Answer

The same thing. BIC is the official name (Business Identifier Code, ISO 9362); SWIFT is the organisation that issues them, so the code is often called a SWIFT code.

Question 3

Why can’t a BIC be calculated from an IBAN?

Accepted Answer

An IBAN contains a national bank identifier, not the BIC. The two are linked by directories that each country’s central bank or payments body maintains, which is what this tool looks up.

Identifier	Primary BIC	Branch BICs	Status
81400009	—	— none published	Current
81401019	—	— none published	Current
87910009	POLUPLPR	— none published	Current
88020002	—	— none published	Current
88090005	—	— none published	Current

Bank Spółdzielczy Ziem Górskich KARPATIA

BIC / SWIFT codes · 1

Bank identifiers in Poland IBANs · 5