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typically for internal clearing within specific regional networks",[],{"_key":1148,"_type":1053,"cells":1149},"k69",[1150,1161,1172,1194],{"_key":1151,"_type":1057,"content":1152},"k70",[1153],{"_key":1154,"_type":856,"children":1155,"markDefs":1160,"style":885},"k123",[1156],{"_key":1157,"_type":860,"marks":1158,"text":1159},"k122",[959],"57C",[],{"_key":1162,"_type":1057,"content":1163},"k73",[1164],{"_key":1165,"_type":856,"children":1166,"markDefs":1171,"style":885},"k126",[1167],{"_key":1168,"_type":860,"marks":1169,"text":1170},"k125",[],"Beneficiary bank (identified by clearing code)",[],{"_key":1173,"_type":1057,"content":1174},"k76",[1175],{"_key":1176,"_type":856,"children":1177,"markDefs":1191,"style":885},"k134",[1178,1182,1187],{"_key":1179,"_type":860,"marks":1180,"text":1181},"k131",[],"Local clearing system code (e.g. CHIPS,",{"_key":1183,"_type":860,"marks":1184,"text":1186},"k132",[1185],"k128","Sort Code",{"_key":1188,"_type":860,"marks":1189,"text":1190},"k133",[],")",[1192],{"_key":1185,"_type":131,"href":1193},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fwhat-is-a-sort-code",{"_key":1195,"_type":1057,"content":1196},"k81",[1197],{"_key":1198,"_type":856,"children":1199,"markDefs":1204,"style":885},"k137",[1200],{"_key":1201,"_type":860,"marks":1202,"text":1203},"k136",[],"Used when the receiving bank has no SWIFT Code — relies on country-specific clearing identifiers",[],{"_key":1206,"_type":1053,"cells":1207},"k84",[1208,1219,1230,1241],{"_key":1209,"_type":1057,"content":1210},"k85",[1211],{"_key":1212,"_type":856,"children":1213,"markDefs":1218,"style":885},"k140",[1214],{"_key":1215,"_type":860,"marks":1216,"text":1217},"k139",[959],"57D",[],{"_key":1220,"_type":1057,"content":1221},"k88",[1222],{"_key":1223,"_type":856,"children":1224,"markDefs":1229,"style":885},"k143",[1225],{"_key":1226,"_type":860,"marks":1227,"text":1228},"k142",[],"Beneficiary bank (identified by name and address)",[],{"_key":1231,"_type":1057,"content":1232},"k91",[1233],{"_key":1234,"_type":856,"children":1235,"markDefs":1240,"style":885},"k146",[1236],{"_key":1237,"_type":860,"marks":1238,"text":1239},"k145",[],"Full bank name and physical address",[],{"_key":1242,"_type":1057,"content":1243},"k94",[1244],{"_key":1245,"_type":856,"children":1246,"markDefs":1251,"style":885},"k149",[1247],{"_key":1248,"_type":860,"marks":1249,"text":1250},"k148",[],"Last resort when a bank has neither SWIFT Code nor clearing code; requires manual processing and is highly prone to delays",[],{"_key":1253,"_type":856,"children":1254,"markDefs":1267,"style":885},"k157",[1255,1259,1263],{"_key":1256,"_type":860,"marks":1257,"text":1258},"k154",[],"For the overwhelming majority of international wire transfers, ",{"_key":1260,"_type":860,"marks":1261,"text":1262},"k155",[959],"57A is the correct field to use",{"_key":1264,"_type":860,"marks":1265,"text":1266},"k156",[],". The other variants exist to accommodate edge cases — smaller regional banks, credit unions, or institutions in markets with limited SWIFT connectivity.",[],{"_key":1269,"_type":856,"children":1270,"markDefs":1275,"style":962},"k161",[1271],{"_key":1272,"_type":860,"marks":1273,"text":1274},"k160",[959],"What Does SWIFT Field 57A Actually Do?",[],{"_key":1277,"_type":856,"children":1278,"markDefs":1283,"style":885},"k165",[1279],{"_key":1280,"_type":860,"marks":1281,"text":1282},"k164",[],"In most international transfers, the sending bank and the beneficiary's bank have no direct account relationship. This means funds cannot be transferred directly — they must travel through one or more intermediary (correspondent) banks to reach the destination.",[],{"_key":1285,"_type":856,"children":1286,"markDefs":1299,"style":885},"k173",[1287,1291,1295],{"_key":1288,"_type":860,"marks":1289,"text":1290},"k170",[],"The BIC code provided in field :57A: identifies the ",{"_key":1292,"_type":860,"marks":1293,"text":1294},"k171",[959],"final destination bank",{"_key":1296,"_type":860,"marks":1297,"text":1298},"k172",[]," — the institution where the beneficiary actually holds their account. Think of it as the terminal postcode on a parcel: it is the last critical routing instruction before the money enters the recipient's account.",[],{"_key":1301,"_type":856,"children":1302,"markDefs":1307,"style":885},"k177",[1303],{"_key":1304,"_type":860,"marks":1305,"text":1306},"k176",[],"Correspondent banks use the :57A: BIC to route funds automatically through their systems — quickly and with minimal manual intervention. This precision is what keeps large-value cross-border transfers moving without human touchpoints at every hop.",[],{"_key":1309,"_type":856,"children":1310,"markDefs":1333,"style":885},"k191",[1311,1315,1320,1324,1329],{"_key":1312,"_type":860,"marks":1313,"text":1314},"k186",[],"In a multi-tier correspondent structure, funds typically flow from the ",{"_key":1316,"_type":860,"marks":1317,"text":1319},"k187",[1318],"k179","intermediary bank",{"_key":1321,"_type":860,"marks":1322,"text":1323},"k188",[]," (identified in field :56A:) to the final beneficiary bank (identified in :57A:). As long as the :57A: BIC is accurate, the correspondent bank can instruct the next bank in the chain to route the foreign currency funds correctly to the destination — avoiding errors or delays in a complex correspondent network. Understanding how ",{"_key":1325,"_type":860,"marks":1326,"text":1328},"k189",[1327],"k182","intermediary banks function in international payments",{"_key":1330,"_type":860,"marks":1331,"text":1332},"k190",[]," is key to anticipating where in the chain a transfer might stall.",[1334,1336],{"_key":1318,"_type":881,"externalUrl":1335,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fwhat-is-an-intermediary-bank",{"_key":1327,"_type":881,"externalUrl":1337,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fcross-border-payment",{"_key":1339,"_type":856,"children":1340,"markDefs":1353,"style":885},"k199",[1341,1345,1349],{"_key":1342,"_type":860,"marks":1343,"text":1344},"k196",[],"Field 57A also serves as a ",{"_key":1346,"_type":860,"marks":1347,"text":1348},"k197",[959],"compliance checkpoint",{"_key":1350,"_type":860,"marks":1351,"text":1352},"k198",[],". Correspondent banks use the BIC to verify the identity of the receiving institution and confirm that the transaction complies with AML (Anti-Money Laundering) requirements and international sanctions regulations before releasing the funds.",[],{"_key":1355,"_type":856,"children":1356,"markDefs":1361,"style":962},"k203",[1357],{"_key":1358,"_type":860,"marks":1359,"text":1360},"k202",[959],"How to Fill In SWIFT Field 57A Correctly",[],{"_key":1363,"_type":856,"children":1364,"markDefs":1377,"style":885},"k211",[1365,1369,1373],{"_key":1366,"_type":860,"marks":1367,"text":1368},"k208",[],"The :57A: field requires a valid ",{"_key":1370,"_type":860,"marks":1371,"text":1372},"k209",[959],"8-digit or 11-digit SWIFT\u002FBIC Code",{"_key":1374,"_type":860,"marks":1375,"text":1376},"k210",[],". The BIC structure breaks down as follows:",[],{"_key":1379,"_type":856,"children":1380,"markDefs":1389,"style":885},"k217",[1381,1385],{"_key":1382,"_type":860,"marks":1383,"text":1384},"k215",[959],"Characters 1–4 (letters):",{"_key":1386,"_type":860,"marks":1387,"text":1388},"k216",[]," Bank code — e.g. HSBC represents HSBC",[],{"_key":1391,"_type":856,"children":1392,"markDefs":1401,"style":885},"k223",[1393,1397],{"_key":1394,"_type":860,"marks":1395,"text":1396},"k221",[959],"Characters 5–6 (letters):",{"_key":1398,"_type":860,"marks":1399,"text":1400},"k222",[]," Country\u002Fterritory code — e.g. HK represents Hong Kong",[],{"_key":1403,"_type":856,"children":1404,"markDefs":1413,"style":885},"k229",[1405,1409],{"_key":1406,"_type":860,"marks":1407,"text":1408},"k227",[959],"Characters 7–8 (letters or digits):",{"_key":1410,"_type":860,"marks":1411,"text":1412},"k228",[]," Location code",[],{"_key":1415,"_type":856,"children":1416,"markDefs":1425,"style":885},"k235",[1417,1421],{"_key":1418,"_type":860,"marks":1419,"text":1420},"k233",[959],"Characters 9–11 (letters or digits, optional):",{"_key":1422,"_type":860,"marks":1423,"text":1424},"k234",[]," Branch code — if omitted, the code defaults to the bank's head office (represented as XXX)",[],{"_key":1427,"_type":856,"children":1428,"markDefs":1433,"style":885},"k239",[1429],{"_key":1430,"_type":860,"marks":1431,"text":1432},"k238",[],"The standard format for the :57A: field requires you to enter :57A:\u002F followed by the correspondent bank's SWIFT Code, then on the next line the bank's full name and address (split across multiple lines if needed). For example, if the beneficiary bank is HSBC Hong Kong:",[],{"_key":1435,"_type":856,"children":1436,"markDefs":1441,"style":885},"k243",[1437],{"_key":1438,"_type":860,"marks":1439,"text":1440},"k242",[],":57A:\u002FHSBCHKHHXXX",[],{"_key":1443,"_type":856,"children":1444,"markDefs":1449,"style":885},"k247",[1445],{"_key":1446,"_type":860,"marks":1447,"text":1448},"k246",[],"THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED",[],{"_key":1451,"_type":856,"children":1452,"markDefs":1457,"style":885},"k251",[1453],{"_key":1454,"_type":860,"marks":1455,"text":1456},"k250",[],"1 QUEEN'S ROAD CENTRAL",[],{"_key":1459,"_type":856,"children":1460,"markDefs":1465,"style":885},"k255",[1461],{"_key":1462,"_type":860,"marks":1463,"text":1464},"k254",[],"HONG KONG",[],{"_key":1467,"_type":856,"children":1468,"markDefs":1473,"style":885},"k259",[1469],{"_key":1470,"_type":860,"marks":1471,"text":1472},"k258",[],"If you only need to supply the SWIFT Code itself, it can also be simplified to :57A: followed directly by HSBCHKHHXXX.",[],{"_key":1475,"_type":856,"children":1476,"markDefs":1481,"style":885},"k263",[1477],{"_key":1478,"_type":860,"marks":1479,"text":1480},"k262",[],"Always obtain the BIC directly from the beneficiary — either from a formal bank payment instruction or an invoice. Never type it from memory, and never search online for a bank's name and assume the first BIC result is correct.",[],{"_key":1483,"_type":856,"children":1484,"markDefs":1489,"style":962},"k267",[1485],{"_key":1486,"_type":860,"marks":1487,"text":1488},"k266",[959],"SWIFT 57A Requirements by Country: What Else You Need Besides a BIC Code",[],{"_key":1491,"_type":856,"children":1492,"markDefs":1497,"style":885},"k271",[1493],{"_key":1494,"_type":860,"marks":1495,"text":1496},"k270",[],"While :57A: is the primary field for identifying the beneficiary bank in international SWIFT transfers, certain countries require additional identifiers alongside the BIC. Here is what Hong Kong SMEs sending to major markets need to know:",[],{"_key":1499,"_type":856,"children":1500,"markDefs":1504,"style":1505},"k275",[1501],{"_key":1502,"_type":860,"marks":1503,"text":84},"k274",[959],[],"h3",{"_key":1507,"_type":856,"children":1508,"markDefs":1535,"style":885},"k291",[1509,1513,1517,1522,1526,1531],{"_key":1510,"_type":860,"marks":1511,"text":1512},"k285",[],"US banks typically require a ",{"_key":1514,"_type":860,"marks":1515,"text":1516},"k286",[959],"9-digit ",{"_key":1518,"_type":860,"marks":1519,"text":1521},"k287",[1520,959],"k278","ABA Routing Number",{"_key":1523,"_type":860,"marks":1524,"text":1525},"k288",[]," (also called a Fedwire number) in addition to a SWIFT Code. If it cannot be accommodated within the 57A field, it is generally entered in the :57C: field with the prefix \u002F\u002FFW, or noted in the payment narrative field. For a detailed walkthrough of the cost and process of ",{"_key":1527,"_type":860,"marks":1528,"text":1530},"k289",[1529],"k281","sending money from Hong Kong to the US",{"_key":1532,"_type":860,"marks":1533,"text":1534},"k290",[],", our dedicated guide covers the full picture.",[1536,1538],{"_key":1520,"_type":881,"externalUrl":1537,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fbank-routing-number",{"_key":1529,"_type":881,"externalUrl":1539,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fsend-money-to-us",{"_key":1541,"_type":856,"children":1542,"markDefs":1547,"style":1505},"k295",[1543],{"_key":1544,"_type":860,"marks":1545,"text":1546},"k294",[959],"Europe",[],{"_key":1549,"_type":856,"children":1550,"markDefs":1585,"style":885},"k317",[1551,1555,1560,1564,1568,1572,1576,1581],{"_key":1552,"_type":860,"marks":1553,"text":1554},"k309",[],"European countries make extensive use of the ",{"_key":1556,"_type":860,"marks":1557,"text":1559},"k310",[1558,959],"k297","IBAN",{"_key":1561,"_type":860,"marks":1562,"text":1563},"k311",[959]," (International Bank Account Number)",{"_key":1565,"_type":860,"marks":1566,"text":1567},"k312",[],", which encodes both the bank identifier and the account number in a single string. However, when conducting cross-border wire transfers to Europe, ",{"_key":1569,"_type":860,"marks":1570,"text":1571},"k313",[959],"you still need to provide the corresponding SWIFT\u002FBIC Code in the :57A: field",{"_key":1573,"_type":860,"marks":1574,"text":1575},"k314",[]," to ensure correct cross-border routing — the IBAN alone is insufficient for international transfers originating outside the SEPA zone. For a full breakdown of the distinction between these two identifiers, see our guide to ",{"_key":1577,"_type":860,"marks":1578,"text":1580},"k315",[1579],"k305","IBAN vs SWIFT codes",{"_key":1582,"_type":860,"marks":1583,"text":1584},"k316",[],".",[1586,1588],{"_key":1558,"_type":881,"externalUrl":1587,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fwhat-is-an-iban-number",{"_key":1579,"_type":881,"externalUrl":1589,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fiban-vs-swift",{"_key":1591,"_type":856,"children":1592,"markDefs":1596,"style":1505},"k321",[1593],{"_key":1594,"_type":860,"marks":1595,"text":87},"k320",[959],[],{"_key":1598,"_type":856,"children":1599,"markDefs":1612,"style":885},"k329",[1600,1604,1608],{"_key":1601,"_type":860,"marks":1602,"text":1603},"k326",[],"Australian wire transfers typically require a ",{"_key":1605,"_type":860,"marks":1606,"text":1607},"k327",[959],"6-digit BSB Code (Bank State Branch Code)",{"_key":1609,"_type":860,"marks":1610,"text":1611},"k328",[]," to identify the specific branch. This is usually entered alongside the beneficiary account number in the final beneficiary field, or in the local clearing field, rather than in the :57A: field itself.",[],{"_key":1614,"_type":856,"children":1615,"markDefs":1620,"style":1505},"k333",[1616],{"_key":1617,"_type":860,"marks":1618,"text":1619},"k332",[959],"United Kingdom",[],{"_key":1622,"_type":856,"children":1623,"markDefs":1654,"style":885},"k351",[1624,1628,1632,1636,1641,1645,1650],{"_key":1625,"_type":860,"marks":1626,"text":1627},"k344",[],"UK domestic payments use ",{"_key":1629,"_type":860,"marks":1630,"text":1631},"k345",[959],"Sort Codes",{"_key":1633,"_type":860,"marks":1634,"text":1635},"k346",[]," — 6-digit branch identifiers — to route funds within the UK clearing system. For international SWIFT transfers arriving into a UK bank, the SWIFT BIC in :57A: handles the cross-border routing, while the Sort Code ensures correct branch-level delivery. For more detail on how ",{"_key":1637,"_type":860,"marks":1638,"text":1640},"k347",[1639],"k337","UK payment methods work",{"_key":1642,"_type":860,"marks":1643,"text":1644},"k348",[],", including CHAPS, BACS, and FPS, our guide explains the distinctions. For the costs associated with ",{"_key":1646,"_type":860,"marks":1647,"text":1649},"k349",[1648],"k340","sending money from Hong Kong to the UK",{"_key":1651,"_type":860,"marks":1652,"text":1653},"k350",[],", the fee comparison is worth reviewing before you send.",[1655,1657],{"_key":1639,"_type":881,"externalUrl":1656,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fbank-transfer-uk-chaps-bacs-fps",{"_key":1648,"_type":881,"externalUrl":1658,"linkType":359},"https:\u002F\u002Faspireapp.com\u002Fhk\u002Fblog\u002Fsend-money-to-uk",{"_key":1660,"_type":856,"children":1661,"markDefs":1666,"style":962},"k355",[1662],{"_key":1663,"_type":860,"marks":1664,"text":1665},"k354",[959],"Common Mistakes When Filling In SWIFT Field 57A",[],{"_key":1668,"_type":856,"children":1669,"markDefs":1674,"style":885},"k359",[1670],{"_key":1671,"_type":860,"marks":1672,"text":1673},"k358",[],"These are the errors that most frequently cause wire transfers to be delayed, mis-routed, or returned — often with intermediary fees already deducted.",[],{"_key":1676,"_type":856,"children":1677,"markDefs":1682,"style":1505},"k363",[1678],{"_key":1679,"_type":860,"marks":1680,"text":1681},"k362",[959],"Confusing the Letter \"O\" with the Number \"0\"",[],{"_key":1684,"_type":856,"children":1685,"markDefs":1690,"style":885},"k367",[1686],{"_key":1687,"_type":860,"marks":1688,"text":1689},"k366",[],"SWIFT BIC codes use only letters and digits, and the distinction between the letter \"O\" and the number \"0\" is invisible in certain fonts. 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You will need to contact your sending bank immediately to request an Amendment — providing the correct :57A: details — or to initiate a Recall to have the funds returned. Both processes take time and may incur fees. This is why accuracy at the point of input is critical.",[],{"_key":2330,"_type":856,"children":2331,"markDefs":2336,"style":1505},"k695",[2332],{"_key":2333,"_type":860,"marks":2334,"text":2335},"k694",[959],"Q: Can I use field 57A for a bank that has no SWIFT Code?",[],{"_key":2338,"_type":856,"children":2339,"markDefs":2344,"style":885},"k699",[2340],{"_key":2341,"_type":860,"marks":2342,"text":2343},"k698",[],"No. The :57A: field format strictly requires a valid 8 or 11-character SWIFT\u002FBIC Code. If the beneficiary bank is a smaller regional institution or credit union that is not connected to the SWIFT network, you cannot use 57A. Instead, use :57C: with the relevant country clearing code (such as the US ABA Routing Number or Australia BSB Code), or :57D: with the bank's full name and physical address. Note that 57D requires manual processing and is significantly more prone to delays.",[],{"_key":2346,"_type":856,"children":2347,"markDefs":2352,"style":1505},"k704",[2348],{"_key":2349,"_type":860,"marks":2350,"text":2351},"k703",[959],"Q: When should a beneficiary request the MT103 document from the sender?",[],{"_key":2354,"_type":856,"children":2355,"markDefs":2360,"style":885},"k708",[2356],{"_key":2357,"_type":860,"marks":2358,"text":2359},"k707",[],"There are three situations where a beneficiary should proactively request the MT103:",[],{"_key":2362,"_type":856,"children":2363,"markDefs":2368,"style":885},"k712",[2364],{"_key":2365,"_type":860,"marks":2366,"text":2367},"k711",[],"First, if funds have not arrived within a reasonable timeframe — international wire transfers typically take 1–5 business days. If payment has not landed after that window, the beneficiary should request the MT103 and use the UETR code (or the :57A: and :56A: field information) to ask their own bank whether funds have been held by a compliance team.",[],{"_key":2370,"_type":856,"children":2371,"markDefs":2376,"style":885},"k716",[2372],{"_key":2373,"_type":860,"marks":2374,"text":2375},"k715",[],"Second, if the amount received is less than expected — checking fields :71A: (charge allocation) and :32A: (original amount) on the MT103 reveals whether the shortfall is due to intermediary fees or a currency conversion issue.",[],{"_key":2378,"_type":856,"children":2379,"markDefs":2384,"style":885},"k720",[2380],{"_key":2381,"_type":860,"marks":2382,"text":2383},"k719",[],"Third, for B2B invoice settlement and shipping authorisation — in larger commercial transactions, suppliers often require formal MT103 confirmation that funds have been dispatched through the SWIFT network before releasing goods, as it constitutes verifiable proof of payment.",[],{"slug":2386,"title":2387},"finance-tools","Finance Tools",{"_type":144,"alternativeText":2389,"height":145,"url":2390,"width":147},"What is SWIFT Field 57A? Definition & Formatting Guide","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7dfe29c557b7374d8330458dc3dd4081\u002Fshared-7dfe29c5_cover_shared-cover-payments.jpeg",[2392,2399,2407,2414,2422],{"_key":957,"_type":856,"children":2393,"level":1040,"listItem":2202,"markDefs":2398,"style":885},[2394],{"_key":2395,"_type":860,"marks":2396,"text":2397},"k1",[],"SWIFT field :57A: identifies the beneficiary's bank using its BIC (SWIFT Code). It is the critical routing instruction that tells the entire correspondent banking chain where to deliver the funds — the \"final postcode\" on your international transfer.",[],{"_key":2400,"_type":856,"children":2401,"level":1040,"listItem":2202,"markDefs":2406,"style":885},"k5",[2402],{"_key":2403,"_type":860,"marks":2404,"text":2405},"k4",[],"57A is the preferred format out of four variants (57A, 57B, 57C, 57D). It enables automated routing and is required for any SWIFT-connected bank. Use 57C (with a local clearing code) or 57D (with full bank name and address) only when the beneficiary bank has no SWIFT Code.",[],{"_key":2408,"_type":856,"children":2409,"level":1040,"listItem":2202,"markDefs":2413,"style":885},"k8",[2410],{"_key":964,"_type":860,"marks":2411,"text":2412},[],"Country-specific requirements apply. US transfers often need an ABA Routing Number alongside the BIC. European transfers require an IBAN for the beneficiary account but still need a SWIFT BIC in 57A for cross-border routing. Australian transfers require a BSB Code at the branch level.",[],{"_key":2415,"_type":856,"children":2416,"level":1040,"listItem":2202,"markDefs":2421,"style":885},"k11",[2417],{"_key":2418,"_type":860,"marks":2419,"text":2420},"k10",[],"Three mistakes cause the most problems: confusing the letter \"O\" with the digit \"0\"; using the head office BIC when a branch-specific code is required; and mismatching the bank in field 57A with the actual bank listed in the beneficiary field (59). All three can result in returned payments with fees deducted.",[],{"_key":2423,"_type":856,"children":2424,"level":1040,"listItem":2202,"markDefs":2429,"style":885},"k14",[2425],{"_key":2426,"_type":860,"marks":2427,"text":2428},"k13",[],"Always copy-paste the BIC from an official payment instruction. Never type from memory. Never search online and assume the first result is correct. Ask your beneficiary for a formal bank instruction document or invoice with their complete payment details before initiating any transfer.",[],[2431,2437],{"_key":957,"_type":856,"children":2432,"markDefs":2436,"style":885},[2433],{"_key":2395,"_type":860,"marks":2434,"text":2435},[],"Among all the fields in a standard MT103 SWIFT message, Field 57A — the \"Account with Institution\" field — is one of the most consequential. It tells the entire correspondent banking chain exactly which financial institution should receive the funds at the final destination. Fill it in correctly, and money moves cleanly. Get it wrong, and you are facing an amendment request, a wire recall, or worse — a return with substantial intermediary fees already deducted.",[],{"_key":2400,"_type":856,"children":2438,"markDefs":2442,"style":885},[2439],{"_key":2403,"_type":860,"marks":2440,"text":2441},[],"This guide explains exactly what SWIFT field 57A is, why it matters, how to fill it in correctly for different countries, the most common mistakes SME finance teams make, and how to read the full MT103 field structure alongside it. If your business regularly handles cross-border payments from Hong Kong, this is essential knowledge.",[],"2026-06-09T00:00:00.000Z",{"_type":139,"metaDescription":2445,"metaTitle":2389,"socialShareImageUrl":2446},"Learn what SWIFT Field 57A means in an MT103 message, how to format BIC codes, and how to avoid costly international wire delays.",{"_type":144,"alternativeText":2389,"height":145,"url":2390,"width":147},"swift-57a",1791455351739]