BML SWIFT Code — Confirmed, Plus IBAN Structure
The official SWIFT/BIC code for Bank Makramah Limited in Pakistan, and how a BML IBAN is put together.
- SWIFT: SUMBPKKAXXX
- Bank code: SUMB
Key Takeaways
- BML's SWIFT/BIC code is SUMBPKKAXXX — unchanged from its former name, Summit Bank Limited.
- SWIFT codes are tied to institution ID, not brand name, so the "SUMB" prefix persists post-rebrand.
- Use the built-in IBAN format checker below to validate a Pakistani IBAN before sending funds.
The BML SWIFT code is SUMBPKKAXXX — the international bank identifier used to send money to a Bank Makramah Limited account from outside Pakistan. This code covers the bank's head office; individual branches may append a specific 3-character branch suffix in place of "XXX" for certain correspondent routing, though "XXX" (head office) works for the large majority of international transfers.
BML SWIFT Code: Quick Answer
Use SUMBPKKAXXX when a foreign bank or remittance service asks for Bank Makramah Limited's SWIFT/BIC code. The "SUMB" institution code was carried over unchanged from the bank's former name, Summit Bank Limited — SWIFT/BIC codes are tied to the bank's registered institution ID and don't automatically change just because a bank rebrands, which is a common point of confusion for BML customers searching under the new name.
Reading the SWIFT Code
| Segment | Value | Meaning |
|---|---|---|
| SUMB | Institution code | Identifies Bank Makramah Limited (carried over from Summit Bank) |
| PK | Country code | Pakistan |
| KA | Location code | Karachi |
| XXX | Branch code | Head office / primary code |
Confirm the code directly with BML or your correspondent bank before an international transfer — swift codes rarely change, but confirming is free and a wrong code can delay funds by days.
How a BML IBAN Is Structured
Every Pakistani bank account, including BML accounts, has a corresponding International Bank Account Number (IBAN) built to the same 24-character national standard: the two-letter country code PK, a 2-digit checksum, a 4-letter bank code, and a 16-character branch/account identifier set by the bank. For BML, the bank-code segment is SUMB, matching its SWIFT institution code. A full BML IBAN therefore reads as PK##SUMB################, where the # symbols represent the checksum and account-specific digits unique to each customer.
Because the account-specific portion of an IBAN depends on your exact branch and account number — information PakFinHub does not have access to — the safest way to get your correct BML IBAN is directly from the bank: it's printed on your chequebook, account statement, and inside the BML Mobile app under account details. Using a third-party "IBAN generator" that guesses this segment risks sending money to the wrong account, so this page intentionally does not provide one.
Check Your BML IBAN Format
Before sending a transfer, paste your BML IBAN below to check its format — length, country code, and BML's bank code — plus the checksum digits, which catch most typos automatically. This only validates the format of an IBAN you already have; it does not generate one, look up your account, or store anything you enter.
This checks structure and checksum only — it cannot confirm the account itself exists or belongs to the intended recipient. Nothing you enter here is sent anywhere or stored; the check runs entirely in your browser. If any check fails, get your correct IBAN from your BML chequebook, account statement, or the BML Mobile app rather than guessing at the missing digits.
Good For
- Checking a BML IBAN's format and checksum before you send a transfer
- Confirming BML's SWIFT/BIC code before an international transfer
- Understanding why "SUMB" appears instead of "BML" in the code
- Finding the safe, official place to get your own BML IBAN
Sending money to a BML account?
Confirm the exact SWIFT code and IBAN directly with BML or your recipient.
Frequently Asked Questions
What is BML's SWIFT code?
SUMBPKKAXXX — the institution code SUMB carries over from Summit Bank.
How do I find my own IBAN?
Check your chequebook, statement, or the BML Mobile app — not a third-party generator.
Similar Banks
More on Bank Makramah
Helpline & Complaints
Contact numbers for account queries.
Account Opening
Deposit accounts and how to open one.
BML Mobile App
Find your IBAN in the app.
Cross-check SWIFT/BIC details with SWIFT.com's official BIC directory.