SWIFT Code BPKOPLPWTOB — PKO BANK POLSKI SA, BYDGOSZCZ

About SWIFT Code BPKOPLPWTOB — PKO BANK POLSKI SA, BYDGOSZCZ

SWIFT code BPKOPLPWTOB is the official 11-character branch-specific BIC (Bank Identifier Code) for PKO BANK POLSKI SA in BYDGOSZCZ, Poland. 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 PKO BANK POLSKI SA for all outward international remittances from BYDGOSZCZ. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code BPKOPLPWTOB

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

When to Use SWIFT Code BPKOPLPWTOB

Receiving International Wire Transfers

To receive money from abroad at your PKO BANK POLSKI SA account in BYDGOSZCZ, share SWIFT code BPKOPLPWTOB 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 PKO BANK POLSKI SA, BYDGOSZCZ must provide SWIFT code BPKOPLPWTOB. 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 PKO BANK POLSKI SA in BYDGOSZCZ rely on SWIFT code BPKOPLPWTOB 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 PKO BANK POLSKI SA →

For cheque clearing or NACH mandates, use the MICR code for PKO BANK POLSKI SA →

For TDS challan deposits, find the BSR code for PKO BANK POLSKI SA →

How SWIFT Code BPKOPLPWTOB Routes an International Transfer

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

Common Mistakes When Using SWIFT Code BPKOPLPWTOB

• Spaces or lowercase letters — Always enter BPKOPLPWTOB uppercase with no spaces.
• Using the wrong city — This code is for BYDGOSZCZ 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 Poland.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm BPKOPLPWTOB directly with PKO BANK POLSKI SA's BYDGOSZCZ branch or via the SWIFT BIC Directory.