GTBINGLA11-character variant (head office):
GTBINGLAXXX| Bank code | Country | Location |
|---|---|---|
| GTBI | NG | LA |
| GTBank | NG (Nigeria) | Lagos |
An 11-character variant like GTBINGLAXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'GTBINGLA001') refer to specific branches.
Guaranty Trust Bank, commonly known as GTBank, was founded in 1990 and is one of Nigeria's most profitable commercial banks by return on equity. Listed on the Nigerian Exchange and on the London Stock Exchange via GTCO Plc, the bank operates more than 200 branches across Nigeria and maintains subsidiaries in Côte d'Ivoire, Gambia, Ghana, Liberia, Sierra Leone, Kenya, Tanzania, Uganda, Rwanda, and the United Kingdom. Its international subsidiary network makes GTBank a common destination for diaspora remittances from London, the Gulf, and North America. The SWIFT code GTBINGLA identifies the head office in Lagos; some major branches carry their own 11-character codes ending in identifiers like ABV (Abuja) or PHC (Port Harcourt).
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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 GTBank, your sending bank needs this code (GTBINGLA) to route the payment message through correspondent banks to Guaranty Trust Bank in Lagos.
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 Nigeria does not use IBANs universally). For most wires to Nigeria, you will supply SWIFT code GTBINGLA + 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 GTBank, 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 GTBINGLAXXX), 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.
Guaranty Trust Bank's SWIFT/BIC code is GTBINGLA. This 8-character code identifies the bank's Lagos 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 GTBank's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your GTBank account, the sender needs SWIFT code GTBINGLA AND your account number. Some sending banks also request the recipient bank's full address (635 Akin Adesola Street, Victoria Island, Lagos).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and GTBank. Wires from major global banks (HSBC, Barclays, JPMorgan, Citi) usually clear fastest.
For smaller amounts to Nigeria, 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 Nigeria inbound corridor comparison for side-by-side pricing.
Source: GTBank'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.