SWIFT Code UBININBBKRL — UNION BANK OF INDIA, KARNAL

About SWIFT Code UBININBBKRL — UNION BANK OF INDIA, KARNAL

SWIFT code UBININBBKRL is the official 11-character branch-specific BIC (Bank Identifier Code) for UNION BANK OF INDIA in KARNAL, India. 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 UNION BANK OF INDIA for all outward international remittances from KARNAL. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code UBININBBKRL

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

When to Use SWIFT Code UBININBBKRL

Receiving International Wire Transfers

To receive money from abroad at your UNION BANK OF INDIA account in KARNAL, share SWIFT code UBININBBKRL 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 UNION BANK OF INDIA, KARNAL must provide SWIFT code UBININBBKRL. 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 UNION BANK OF INDIA in KARNAL rely on SWIFT code UBININBBKRL 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 UNION BANK OF INDIA →

For cheque clearing or NACH mandates, use the MICR code for UNION BANK OF INDIA →

For TDS challan deposits, find the BSR code for UNION BANK OF INDIA →

How SWIFT Code UBININBBKRL Routes an International Transfer

1. Initiation: The sender provides SWIFT code UBININBBKRL 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 UNION BANK OF INDIA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: UNION BANK OF INDIA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code UBININBBKRL

• Spaces or lowercase letters — Always enter UBININBBKRL uppercase with no spaces.
• Using the wrong city — This code is for KARNAL 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 India.

Data Accuracy

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