SWIFT Code MIDLGB2103K — HSBC BANK PLC, CARDIFF

About SWIFT Code MIDLGB2103K — HSBC BANK PLC, CARDIFF

SWIFT code MIDLGB2103K is the official 11-character branch-specific BIC (Bank Identifier Code) for HSBC BANK PLC in CARDIFF, United Kingdom. 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 HSBC BANK PLC for all outward international remittances from CARDIFF. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code MIDLGB2103K

The code MIDLGB2103K follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code MIDLGB2103K

Receiving International Wire Transfers

To receive money from abroad at your HSBC BANK PLC account in CARDIFF, share SWIFT code MIDLGB2103K 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 HSBC BANK PLC, CARDIFF must provide SWIFT code MIDLGB2103K. 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 HSBC BANK PLC in CARDIFF rely on SWIFT code MIDLGB2103K 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 HSBC BANK PLC →

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

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

How SWIFT Code MIDLGB2103K Routes an International Transfer

1. Initiation: The sender provides SWIFT code MIDLGB2103K 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 HSBC BANK PLC.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HSBC BANK PLC receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code MIDLGB2103K

• Spaces or lowercase letters — Always enter MIDLGB2103K uppercase with no spaces.
• Using the wrong city — This code is for CARDIFF 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 United Kingdom.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm MIDLGB2103K directly with HSBC BANK PLC's CARDIFF branch or via the SWIFT BIC Directory.