SCBLGHAC11-character variant (head office):
SCBLGHACXXX| Bank code | Country | Location |
|---|---|---|
| SCBL | GH | AC |
| StanChart Ghana | GH (Ghana) | Accra |
An 11-character variant like SCBLGHACXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'SCBLGHAC001') refer to specific branches.
Standard Chartered Bank Ghana, founded in 1896, is the oldest bank operating in Ghana and was the country's sole bank until 1953. Part of the global Standard Chartered Group based in London, the Ghana operation is listed on the Ghana Stock Exchange and serves both retail and large-corporate clients with a focus on trade finance and global treasury services. The bank operates around 25 branches in Ghana. For diaspora and corporate senders, Standard Chartered Ghana's SWIFT code SCBLGHAC uses the group's standard SCBL prefix; intra-group SCBL transfers between Ghana, the UK, and other Standard Chartered markets can route efficiently within the same SWIFT family. Long form: SCBLGHACXXX.
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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 StanChart Ghana, your sending bank needs this code (SCBLGHAC) to route the payment message through correspondent banks to Standard Chartered 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 SCBLGHAC + 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 StanChart 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 SCBLGHACXXX), 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.
Standard Chartered Bank Ghana's SWIFT/BIC code is SCBLGHAC. 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 StanChart Ghana's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your StanChart Ghana account, the sender needs SWIFT code SCBLGHAC AND your account number. Some sending banks also request the recipient bank's full address (High Street, Accra, Accra).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and StanChart 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: StanChart 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.