Keystone Bank SWIFT Code in Nigeria: PLNINGLA, PLNINGLAXXX & Transfer Guide
If you are looking for the Keystone Bank SWIFT code in Nigeria, the bank’s eight-character BIC is PLNINGLA. The 11-character head-office form is PLNINGLAXXX.
A SWIFT/BIC is used to identify a financial institution during international payments. It is different from your Keystone Bank account number and different from a Nigerian domestic sort code.
Keystone Bank SWIFT Code at a Glance
| Detail | Information |
|---|---|
| Bank | Keystone Bank Limited |
| 8-character SWIFT/BIC | PLNINGLA |
| 11-character head-office BIC | PLNINGLAXXX |
| City | Lagos |
| Listed address | 1 Keystone Bank Crescent, off Adeyemo Alakija Street, Lagos |
What Is PLNINGLA?
PLNINGLA is the eight-character SWIFT/BIC associated with Keystone Bank Limited in Nigeria.
The code is used for international payment identification. It does not contain your individual Keystone Bank account number.
What Is PLNINGLAXXX?
PLNINGLAXXX is the 11-character head-office representation of the Keystone Bank BIC.
The final three characters, XXX, identify the head-office form. This is why you may find both PLNINGLA and PLNINGLAXXX when searching for the Keystone Bank SWIFT code.
Keystone Bank SWIFT Code Breakdown
- PLNI — bank identifier.
- NG — Nigeria.
- LA — location identifier.
- XXX — head-office identifier.
Keystone Bank SWIFT Address
The current BIC listing associates PLNINGLAXXX with 1 Keystone Bank Crescent, off Adeyemo Alakija Street, Lagos, Nigeria.
When a sender is completing an international transfer, the current beneficiary instructions should take priority over an old directory address.
How to Receive Money From Abroad Into Keystone Bank
A sender may be asked to provide:
- Beneficiary’s full name.
- Keystone Bank account number.
- Keystone Bank Limited as the receiving bank.
- PLNINGLA or the appropriate 11-character BIC.
- Beneficiary bank address.
- Purpose or reference for the payment where required.
Does Keystone Bank Have a SWIFT Code?
Yes. Keystone Bank Limited is associated with the SWIFT/BIC PLNINGLA, and the 11-character head-office representation is PLNINGLAXXX.
Can I Use PLNINGLA to Receive International Money?
The eight-character BIC identifies Keystone Bank for international payment processing. The sender must also provide the correct beneficiary account information.
If the sending bank requires an 11-character BIC, use the appropriate verified form rather than inventing a branch suffix.
Does Every Keystone Bank Branch Have a Unique SWIFT Code?
Not every physical branch necessarily has a unique BIC. Current listings show the main head-office BIC and explain that branch-specific codes may exist where separately assigned.
If your transfer provider requests a branch-specific identifier, confirm it directly before the transfer is sent.
SWIFT Code vs Keystone Bank Sort Code
These are different banking identifiers.
| Identifier | Purpose |
|---|---|
| PLNINGLA | International SWIFT/BIC identification. |
| Sort code | Domestic Nigerian bank and branch identification. |
| Account number | Customer account identification. |
Common Keystone Bank SWIFT Code Mistakes
- Typing PLNINGLA incorrectly.
- Using another Nigerian bank’s BIC.
- Confusing a SWIFT code with a sort code.
- Entering the wrong account number.
- Creating an unverified branch-specific code.
- Confusing Keystone Bank Nigeria with another institution.
What Happens If the Wrong SWIFT Code Is Used?
An incorrect BIC can cause an international payment to be delayed, rejected or returned. The payment may also require manual investigation if the receiving institution cannot match the beneficiary information.
If a mistake is discovered after the payment has been sent, the sender should contact the originating bank immediately.
Do You Need an IBAN for Keystone Bank Nigeria?
Nigeria does not use an IBAN system in the same manner as many European countries. A sender should follow the exact Nigerian beneficiary information requested by the sending bank or Keystone Bank.
Do not generate an IBAN by combining PLNINGLA with a Keystone Bank account number.
How to Verify Keystone Bank Transfer Details
Before an international transfer is submitted, check that the beneficiary name, account number, bank name and SWIFT/BIC all correspond.
For a large payment, it is also sensible to confirm the current instructions directly with the bank, especially if the sender’s payment provider requests an 11-character BIC or correspondent-bank information.
Frequently Asked Questions
What is Keystone Bank’s SWIFT code?
The eight-character SWIFT/BIC is PLNINGLA.
What is the 11-character Keystone Bank SWIFT code?
The head-office form is PLNINGLAXXX.
Where is the Keystone Bank SWIFT address?
The current listing associates PLNINGLAXXX with 1 Keystone Bank Crescent, off Adeyemo Alakija Street, Lagos.
Is PLNINGLA the same as a Keystone Bank account number?
No. PLNINGLA identifies the bank for international payment purposes. The account number identifies the customer’s account.
Can I create a branch code myself?
No. Only use a branch-specific BIC when it has been verified.
Final Takeaway
Keystone Bank Limited’s Nigerian SWIFT/BIC is PLNINGLA, while PLNINGLAXXX is the 11-character head-office representation. For international transfers, make sure the SWIFT code, beneficiary name and account number all match the current payment instructions.