Fina Trust Microfinance Bank SWIFT Code in Nigeria: Does Fina Trust Have One?
Fina Trust Microfinance Bank is a Nigerian microfinance institution, and its name can appear in banking-code searches when people are looking for information needed to receive or send money. A domestic bank identifier, however, is not automatically a SWIFT/BIC.
A publicly verified SWIFT/BIC for Fina Trust Microfinance Bank has not been established from the current information reviewed. Anyone preparing an international payment should therefore verify the receiving instructions with the bank rather than using a guessed code.
Does Fina Trust Microfinance Bank have a SWIFT code?
No publicly verified SWIFT/BIC has been established from the information reviewed for this article.
Fina Trust does have domestic banking identifiers used for Nigerian payment purposes. For example, external payment documentation identifies a domestic bank code for Fina Trust. That identifier should not be described as the bank’s SWIFT code.
Why this distinction matters
SWIFT/BIC and Nigerian domestic bank codes perform different functions. A domestic bank code helps route local payments within Nigeria, while a SWIFT/BIC is an international financial-institution identifier.
Using the domestic code in a SWIFT field on an international payment form can cause the transfer to fail or require correction.
How to receive an international payment into Fina Trust
If you have a Fina Trust account and someone outside Nigeria wants to send you money, ask the bank for its current international receiving instructions. The bank can confirm whether the payment should be sent directly, through a correspondent institution or through another supported payment route.
Information the sender may need
- Beneficiary’s full name.
- Fina Trust account number.
- Receiving institution’s exact name.
- Bank address where required.
- SWIFT/BIC if the bank supplies one.
- Correspondent-bank information if applicable.
- Currency and amount.
- Payment purpose and reference.
Do not create an Fina Trust BIC yourself
A BIC cannot safely be derived from the bank’s name. Even if an invented code looks structurally correct, that does not make it a valid identifier.
International payment instructions should always come from the bank, its official documentation or the sending bank’s verified payment system.
Domestic Fina Trust bank code
Fina Trust appears in Nigerian payment information with a domestic banking code. That number is useful for the Nigerian payment environment, but it should not be presented as an international SWIFT code.
Frequently asked questions
What is Fina Trust Microfinance Bank’s SWIFT code?
A publicly verified SWIFT/BIC has not been established from the current information reviewed.
Can I use Fina Trust’s domestic bank code for an international transfer?
No. A domestic bank code and a SWIFT/BIC serve different purposes.
What should I do if a foreign sender asks for Fina Trust’s SWIFT code?
Ask Fina Trust for the current international receiving instructions and provide the sender with the exact information supplied by the bank.
Can I use an 11-character code ending in XXX?
Only if that exact BIC has been confirmed by the receiving institution. Do not add XXX to an unverified code.