Short answer Each Pakistani bank has its own SWIFT/BIC code, such as
MEZNPKKAfor Meezan Bank andHABBPKKAfor HBL, and a 4-letter IBAN bank code, such asMEZNorHABB. The table below lists only codes we found on each bank’s own website.
At a glance
- Meezan Bank SWIFT/BIC:
MEZNPKKA(Meezan Nostro accounts list ↗ · checked 2026-09-27)- HBL SWIFT/BIC:
HABBPKKA(HBL Pakistan Nostros and SSI ↗ · checked 2026-09-27)- UBL SWIFT/BIC:
UNILPKKA(UBL list of standard settlement banks ↗ · checked 2026-09-28)- Pakistani IBAN length: 24 characters (Meezan IBAN generator ↗ · checked 2026-09-27)
- Banks checked: 17; codes not found on a bank’s own site are marked “Not verified yet”
| Bank | SWIFT/BIC | IBAN bank code |
|---|---|---|
| Meezan Bank | MEZNPKKA | MEZN |
| HBL (Habib Bank Limited) | HABBPKKA | HABB |
| UBL (United Bank Limited) | UNILPKKA | UNIL |
| MCB Bank | MUCBPKKA | MUCB |
| Allied Bank | ABPAPKKA | ABPA |
| Bank AL Habib | BAHLPKKA | BAHL |
| Habib Metropolitan Bank | MPBLPKKA (from a 2008 report on the bank’s site) | MPBL |
| Faysal Bank | FAYSPKKA | Not published by the bank |
| JS Bank | JSBLPKKA | Not published by the bank |
| Standard Chartered Pakistan | Not verified yet | SCBL |
| Bank Alfalah | ALFHPKKARDA (Roshan Digital Account code only) | Not verified yet |
| Dubai Islamic Bank Pakistan | DUIBPKKARDA (Roshan Digital Account code only) | Not verified yet |
| National Bank of Pakistan | Not verified yet | Not verified yet |
| Askari Bank | Not verified yet | Not verified yet |
| Bank of Punjab | Not verified yet | Not verified yet |
| Soneri Bank | Not verified yet | Not verified yet |
| BankIslami | Not verified yet | Not verified yet |
Source: each bank’s own website, linked in Sources · checked 2026-09-27; UBL, MCB Bank, Allied Bank, Bank AL Habib, Faysal Bank and JS Bank re-checked 2026-09-28
“Not verified yet” means we did not find the code printed on the bank’s own website. Code-lookup websites list codes for these banks, but we don’t copy them. Before you send money, confirm the code with the bank or with the person you are paying.
HABBPKKAXXX.UNILPKKA in its list of standard settlement banks and repeated it on its official LinkedIn page on June 20, 2026. Its IBAN FAQ gives UNIL as the bank code, with the example PK-16-UNIL-01-12-094910113152. UBL publishes no branch-level SWIFT codes.MPBLPKKA comes from the bank’s 2008 first quarterly report, still hosted on habibmetro.com. It is an old document, so confirm the code with the bank. The IBAN code MPBL is on the bank’s current “What is IBAN” page.ABPAPKKA and says the SWIFT code “is ABPAPKKAXXX. Replace the last three characters (XXX) with your specific branch code.” It publishes no list of branch codes.MUCBPKKA in field 56A of the SWIFT payment message and MUCBPKKARDA in field 57A; its RDA FAQ gives MUCBPKKA for field 57A, so confirm with MCB.BAHLPKKARDA (Bank AL Habib, via JPMorgan) and FAYSPKKARDA (Faysal Bank).JSBLPKKAXXX, and its Roshan Digital Account page gives JSBLPKKARDA.ALFHPKKARDA and DUIBPKKARDA, not the plain 8-character head-office code. Bank Alfalah lists “SWIFT Code Inquiry” as a contact-centre service. Don’t use an RDA code for an ordinary account without asking the bank.The SWIFT/BIC code identifies the bank. The IBAN (International Bank Account Number) identifies one account at that bank. A sender abroad usually needs both, plus your name as on the account.
A Pakistani IBAN has 24 characters: PK, 2 check digits, the 4-letter bank code and 16 digits for the account. The bank code is usually the first four letters of the bank’s SWIFT code: MCB, UBL, Standard Chartered and Meezan say so on their IBAN pages. Some banks put the branch code inside the IBAN; Meezan, for example, uses 00, a 4-digit branch code and the 10-digit account number.
Get your own IBAN from your bank, for example from your branch or the bank’s official IBAN generator where it has one. Our IBAN checker only validates an IBAN you already have; it does not create one.
Meezan Bank, HBL, UBL and MCB Bank publish no branch-level codes. Allied Bank tells customers to replace XXX at the end of its code with their branch code, but publishes no list. Habib Metropolitan Bank’s 2008 report listed branch-level codes such as MPBLPKKA020, but that document is old. If a sender’s bank asks for a branch-level code, confirm it with your own bank first.
Give the sender the bank’s full name, its SWIFT/BIC code and your full IBAN. Some banks ask for more; HBL’s sender form, for example, also asks for the branch code and name and the bank’s city and address. For cash collection, wallets and tracking, see receiving money from abroad.
Warning A SWIFT code and an IBAN are safe to share with a sender; your PIN, password and card details are not. Meezan Bank says it “will never contact any customer and request electronic banking credentials”, and HBL says never to share your PIN with anybody. Call your bank’s official helpline if anyone asks for these: Meezan +92 (21) 111-331-331, HBL 111-111-425.
There is no single code for Pakistan. Each bank has its own, for example MEZNPKKA (Meezan Bank), HABBPKKA (HBL), UNILPKKA (UBL), MUCBPKKA (MCB) and ABPAPKKA (Allied Bank).
It depends on the bank. Meezan, HBL, UBL and MCB publish one code and no branch codes. Allied Bank says to replace XXX at the end of its code with your branch code. Ask your bank if a sender needs a branch-level code.
No. The SWIFT code identifies the bank; the IBAN identifies your account. The IBAN contains the bank’s 4-letter code, which usually matches the first four letters of its SWIFT code.
Several banks publish a separate code ending in RDA for Roshan Digital Accounts (RDA). Use it only for payments to a Roshan Digital Account, as the bank instructs.