通常准备移民、海外升学、开展跨境贸易、启动海外业务线等，开设了离岸银行户口或要调动资金时，就会有跨境汇款的需要。但进行汇款时，为什么要填 SWIFT？有时又要再填 IBAN /BSB/ ABA No./FedWire No. / Sort Code？
因为不同国家及地区所遵行的交易系统各有不同，所以汇款到世界不同地方就有需要提供指定的识别代码。例如汇款至欧洲要提供 IBAN；汇款至美国要提供 FedWire No.；汇款英镑到英国则要提供 Sort Code 等。而 SWIFT Code，因为已被世界各地广泛应用，所以基乎已成为汇款必备的资料之一。
一、国际汇款必备的识别代码—SWIFT
SWIFT 是环球银行金融电信协会（Society for Worldwide Interbank Financial Telecommunication）的简称，它提供了一套被广泛使用的国际编号系统，让世界各地的多间银行及金融机构都拥有一个专属的 SWIFT Code 国际银行代码（又称为 BIC 银行识别码），可应用在国际之间的金融交易之中，并用作识别指定的银行。简单而言，SWIFT 是一种国际银行代码，常应用于国际汇款上。
SWIFT Code 由 8 或 11 个字符组成，并可分拆成 4 个部分，用于识别银行机构、国家、位置及分行。前4位是收款银行的缩写，第5和6两位是国别，第7至11位是地区识别码。例如BKCHCNBJ400，前4位BKCH代表BANK OF CHINA，CN代表CHINA,BJ400代表广东省。BKCHCNBJ400就是中国银行广东省分行的SWIFT。
二、收款地区使用的识别代码
1. IBAN｜适用于欧洲汇款
IBAN 是国际银行账户号码（International Bank Account Number）的简称，同样是一种国际编号系统，是用作识别与跨境交易有关的银行账户。与 SWIFT Code 国际银行代码不同，IBAN 不只用作识别银行，而是可识别到银行内的指定账户，常应用在与欧盟或欧洲有关的国际交易。IBAN号码最多是34位字符串。IBAN的编号规定包括国别代码＋银行代码＋地区＋账户人账号＋校验码，当在欧元区未使用IBAN账号时，会被额外收取人工干预费。
2. FedWire｜适用于美国汇款
FedWire, 是由美国联邦储备银行（Federal Reserve Bank，简称 FED）所开发的电子转账系统，为美国境内及来自境外汇款提供转账及清算服务。FedWire Number（又可被称为 ABA Number / Routing Number）可以用作识别美国不同的银行或金融机构，以方便进行当地转账或国际汇款等交易。由9位（8位内容+1位验证码）组成，主要用于美国及北美地区。
3. BSB ｜适用于汇款澳元/新西兰元至澳洲
BSB Number，是在澳大利亚等地使用的电汇清算网络编码，即Bank State Branch Number。主要在澳元、新西兰元的银行及向澳洲办理清付结算时使用。一般都是6位数字。
4. Sort Code｜适用于汇款英镑至英国
Sort Code即SC。若汇款到英国通常都要提供 IBAN 号码，而汇款英镑至英国另外也要提供 Sort Code 以便清算行能将款项转账到正确的英国银行账户。
我们通常可以透过登入银行账户或查阅银行月结单就可以找到 Sort Code，以用作接收款项。
5.TRANSIT NO| 适用于汇加元至加拿大
TRANSIT NO即CC,汇加元到加拿大必须提供，它由9位数字（4位银行号+5位分行号）组成。
填写正确的收款银行SWIFT和清算号是汇出汇款业务关键所在，可以起到事半功倍的作用。但是使用传统的国际电汇汇款，所填写的资料太繁琐，稍不留意填错信息就会导致汇款不成功而损失大笔手续费和你宝贵的时间
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