SWIFT Code MIGRCHZZ84A — MIGROS BANK, WINTERTHUR

About SWIFT Code MIGRCHZZ84A — MIGROS BANK, WINTERTHUR

SWIFT code MIGRCHZZ84A is the official 11-character branch-specific BIC (Bank Identifier Code) for MIGROS BANK in WINTERTHUR, Switzerland. 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 MIGROS BANK for all outward international remittances from WINTERTHUR. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code MIGRCHZZ84A

The code MIGRCHZZ84A follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code MIGRCHZZ84A

Receiving International Wire Transfers

To receive money from abroad at your MIGROS BANK account in WINTERTHUR, share SWIFT code MIGRCHZZ84A 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 MIGROS BANK, WINTERTHUR must provide SWIFT code MIGRCHZZ84A. 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 MIGROS BANK in WINTERTHUR rely on SWIFT code MIGRCHZZ84A 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 MIGROS BANK →

For cheque clearing or NACH mandates, use the MICR code for MIGROS BANK →

For TDS challan deposits, find the BSR code for MIGROS BANK →

How SWIFT Code MIGRCHZZ84A Routes an International Transfer

1. Initiation: The sender provides SWIFT code MIGRCHZZ84A 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 MIGROS BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: MIGROS BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code MIGRCHZZ84A

• Spaces or lowercase letters — Always enter MIGRCHZZ84A uppercase with no spaces.
• Using the wrong city — This code is for WINTERTHUR 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 Switzerland.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm MIGRCHZZ84A directly with MIGROS BANK's WINTERTHUR branch or via the SWIFT BIC Directory.