SBICGHAC11-character variant (head office):
SBICGHACXXX| Bank code | Country | Location |
|---|---|---|
| SBIC | GH | AC |
| Stanbic Ghana | GH (Ghana) | Accra |
An 11-character variant like SBICGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'SBICGHAC001') refer to specific branches.
Stanbic Bank Ghana is part of South Africa's Standard Bank Group, Africa's largest banking institution by assets. Established in Ghana in 1999, the bank operates around 30 branches and focuses on corporate and investment banking alongside retail offerings. Stanbic's SWIFT code SBICGHAC uses the same Standard Bank Group bank-code prefix (SBIC) seen across the group's African subsidiaries, with GH for Ghana and AC for Accra. The long form SBICGHACXXX explicitly identifies the head office. Diaspora and corporate flows from the UK, US, and Eurozone routing into Ghanaian Cedi accounts via the Standard Bank correspondent network commonly transit through this identifier.
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SWIFT and BIC are two names for the same identifier: an 8 or 11-character code standardised by ISO 9362 that identifies a bank in the SWIFT payment network. For a wire to Stanbic Ghana, your sending bank needs this code (SBICGHAC) to route the payment message through correspondent banks to Stanbic Bank Ghana in Accra.
An IBAN, by contrast, identifies a specific bank account — not the institution. IBANs are mandatory in the European Economic Area, the UK, most of the Middle East, and several African countries (but Ghana does not use IBANs universally). For most wires to Ghana, you will supply SWIFT code SBICGHAC + the recipient's account number, not an IBAN.
UK sort codes (6 digits) and US routing numbers (9 digits) are domestic-only equivalents — they do not work for international wires. If a US-based sender wants to wire to Stanbic Ghana, they need the SWIFT code, not the US routing number of the correspondent bank (although their bank may use the routing number internally to route their side of the wire).
One final technical detail on the 11-character form: the last three characters identify a specific branch. When they read 'XXX' (as in SBICGHACXXX), they conventionally designate the head office itself. Most international wires use either the 8-character form or the 11-character form with XXX; unless your recipient explicitly tells you otherwise, that is the right choice.
Stanbic Bank Ghana's SWIFT/BIC code is SBICGHAC. This 8-character code identifies the bank's Accra head office for international wire transfers.
Yes. SWIFT (Society for Worldwide Interbank Financial Telecommunication) and BIC (Business Identifier Code) are two names for the same 8 or 11-character identifier standardised by ISO 9362. You will see Stanbic Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Stanbic Ghana account, the sender needs SWIFT code SBICGHAC AND your account number. Some sending banks also request the recipient bank's full address (Stanbic Heights, Airport City, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Stanbic Ghana. Wires from major global banks (HSBC, Barclays, JPMorgan, Citi) usually clear fastest.
For smaller amounts to Ghana, operators such as Wise, LemFi, Sendwave, and TapTap Send typically offer a rate closer to mid-market and lower fees than a classic SWIFT bank wire. See our Ghana inbound corridor comparison for side-by-side pricing.
Source: Stanbic Ghana's official website + Wise SWIFT directory. Last verified: 2026-06-04. SWIFT codes change rarely but always confirm with your bank before initiating a transfer. Educational only — not financial advice.