SWIFT Code MCBTCA2W — MANULIFE BANK OF CANADA, WATERLOO

About SWIFT Code MCBTCA2W — MANULIFE BANK OF CANADA, WATERLOO

SWIFT code MCBTCA2W is the official 8-character head-office BIC (Bank Identifier Code) for MANULIFE BANK OF CANADA in WATERLOO, Canada. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by MANULIFE BANK OF CANADA for all outward international remittances from WATERLOO. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code MCBTCA2W

The code MCBTCA2W follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code MCBTCA2W

Receiving International Wire Transfers

To receive money from abroad at your MANULIFE BANK OF CANADA account in WATERLOO, share SWIFT code MCBTCA2W with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at MANULIFE BANK OF CANADA, WATERLOO must provide SWIFT code MCBTCA2W. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using MANULIFE BANK OF CANADA in WATERLOO rely on SWIFT code MCBTCA2W for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for MANULIFE BANK OF CANADA →

For cheque clearing or NACH mandates, use the MICR code for MANULIFE BANK OF CANADA →

For TDS challan deposits, find the BSR code for MANULIFE BANK OF CANADA →

How SWIFT Code MCBTCA2W Routes an International Transfer

1. Initiation: The sender provides SWIFT code MCBTCA2W and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to MANULIFE BANK OF CANADA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: MANULIFE BANK OF CANADA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code MCBTCA2W

• Spaces or lowercase letters — Always enter MCBTCA2W uppercase with no spaces.
• Using the wrong city — This code is for WATERLOO only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Canada.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm MCBTCA2W directly with MANULIFE BANK OF CANADA's WATERLOO branch or via the SWIFT BIC Directory.