Swift Codes, also called BIC Codes, are used for International Wire Transfers. While routing number in USA are used for domestic wire transfers, swift codes are used for incoming international fund transfers. If you want to send or receive money from outside of united states to a bank account of Heritage Bank IA in USA, your bank will ask for the swift code of Heritage Bank IA.
Important: Swift Codes or BICs of Heritage Bank IA are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of Heritage Bank IA instead of swift codes.
Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN. However, you need to provide ABA Routing Number and your Account Number along with Swift Code of Heritage Bank IA to initiate International wire transfer.
Heritage Bank IA Swift Codes for International Wire Transfers
Note of Caution on Fees: Both sending and receiving of wire transfer may involve a fee. If there is a currency conversion, there may be additional cost - we recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.
A full swift code (or Full BIC code) is 11 characters long. The last 3 characters in the full BIC is optional as they denote the branch code ('XXX' is for primary office and should be preferred if you are unsure). If there are multiple swift codes mentioned for Heritage Bank, just use the first 8 characters. If even first 8 characters are numerous, then, use the one closest to your location or confirm with your branch office.
