SWIFT Code HBCLNGLA — HERITAGE BANKING COMPANY LIMITED, LAGOS

About SWIFT Code HBCLNGLA — HERITAGE BANKING COMPANY LIMITED, LAGOS

SWIFT code HBCLNGLA is the official 8-character head-office BIC (Bank Identifier Code) for HERITAGE BANKING COMPANY LIMITED in LAGOS, Nigeria. 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 HERITAGE BANKING COMPANY LIMITED for all outward international remittances from LAGOS. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HBCLNGLA

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

When to Use SWIFT Code HBCLNGLA

Receiving International Wire Transfers

To receive money from abroad at your HERITAGE BANKING COMPANY LIMITED account in LAGOS, share SWIFT code HBCLNGLA 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 HERITAGE BANKING COMPANY LIMITED, LAGOS must provide SWIFT code HBCLNGLA. 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 HERITAGE BANKING COMPANY LIMITED in LAGOS rely on SWIFT code HBCLNGLA 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 HERITAGE BANKING COMPANY LIMITED →

For cheque clearing or NACH mandates, use the MICR code for HERITAGE BANKING COMPANY LIMITED →

For TDS challan deposits, find the BSR code for HERITAGE BANKING COMPANY LIMITED →

How SWIFT Code HBCLNGLA Routes an International Transfer

1. Initiation: The sender provides SWIFT code HBCLNGLA 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 HERITAGE BANKING COMPANY LIMITED.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HERITAGE BANKING COMPANY LIMITED receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HBCLNGLA

• Spaces or lowercase letters — Always enter HBCLNGLA uppercase with no spaces.
• Using the wrong city — This code is for LAGOS 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 Nigeria.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm HBCLNGLA directly with HERITAGE BANKING COMPANY LIMITED's LAGOS branch or via the SWIFT BIC Directory.