SWIFT Code BFLBUS3M — BAC FLORIDA BANK, MIAMI,FL

About SWIFT Code BFLBUS3M — BAC FLORIDA BANK, MIAMI,FL

SWIFT code BFLBUS3M is the official 8-character head-office BIC (Bank Identifier Code) for BAC FLORIDA BANK in MIAMI,FL, United States. 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 BAC FLORIDA BANK for all outward international remittances from MIAMI,FL. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code BFLBUS3M

The code BFLBUS3M follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code BFLBUS3M

Receiving International Wire Transfers

To receive money from abroad at your BAC FLORIDA BANK account in MIAMI,FL, share SWIFT code BFLBUS3M 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 BAC FLORIDA BANK, MIAMI,FL must provide SWIFT code BFLBUS3M. 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 BAC FLORIDA BANK in MIAMI,FL rely on SWIFT code BFLBUS3M 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 BAC FLORIDA BANK →

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

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

How SWIFT Code BFLBUS3M Routes an International Transfer

1. Initiation: The sender provides SWIFT code BFLBUS3M 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 BAC FLORIDA BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: BAC FLORIDA BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code BFLBUS3M

• Spaces or lowercase letters — Always enter BFLBUS3M uppercase with no spaces.
• Using the wrong city — This code is for MIAMI,FL 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 States.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm BFLBUS3M directly with BAC FLORIDA BANK's MIAMI,FL branch or via the SWIFT BIC Directory.