Commercial Bank

MCB Bank Swift Code

Last updated & verified: September 2026

MCB's official SWIFT code, confirmed, plus a free tool to generate your MCB IBAN — see the full bank overview.

• Real ISO 7064 Algorithm
• Runs in Your Browser

The MCB Bank Swift code is what any bank abroad needs to route a wire transfer into an MCB account. This page confirms the MCB Bank Swift code directly, and includes a free tool to generate the matching IBAN.

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

This tool generates your actual MCB IBAN from your account number, using the real ISO 7064 MOD-97 check-digit calculation — the same algorithm banks use to validate IBANs internationally. It runs entirely in your browser; nothing you type is sent anywhere.

MCB Bank Swift Code Confirmed

Head Office SWIFT/BIC

MUCBPKKAXXX

Bank Code

MUCB

Country/Location Code

PKKA (Pakistan/Karachi)

Head Office

MCB House, 15-Main Gulberg, Jail Road, Lahore

Individual MCB branches may carry their own 11-character SWIFT codes ending in a specific branch suffix instead of "XXX." If your remitter asks for a branch-specific code, confirm it with your branch rather than assuming the head-office code applies.

SWIFT/BIC and bank code confirmed from standard international SWIFT code directories cross-referencing MCB's registered BIC.

Why the IBAN Format Matters

This is one of the most common reasons an overseas relative's transfer gets stuck or bounces back: they send your plain account number instead of your IBAN. Domestic transfers inside Pakistan don't care about the difference, but SWIFT and pretty much every cross-border payment rail wants the standardized IBAN format specifically. Save yourself and your sender the back-and-forth — share the IBAN, not just the account number.

Your MCB IBAN is derived mathematically from your existing account number — it isn't a separate number you're assigned, and generating it doesn't change your account in any way. It's simply the internationally standardized way of expressing the same account.

A Note on Branch-Specific SWIFT Codes

Some senders abroad, particularly older correspondent-bank systems, ask for a branch-level SWIFT code rather than the head-office code. In practice, using MCB's head-office code (MUCBPKKAXXX) works for the overwhelming majority of incoming international wires, since Pakistani banks generally route SWIFT payments centrally regardless of which branch holds the receiving account. If a specific remitter insists on a branch code and the head-office code is rejected, your branch can confirm whether a distinct branch-level code exists for your account.

One more distinction worth flagging: MCB Islamic Bank Limited, MCB's separate Islamic-banking subsidiary, holds its own SWIFT/BIC code distinct from MCB Bank Limited's. If you're receiving funds into an MCB Islamic Bank account rather than a conventional MCB Bank Limited account, confirm you're using that subsidiary's own code rather than assuming MUCBPKKAXXX applies.

Finding Your MCB Account Number

Good For

• Confirming MCB Bank's official Swift/BIC code before an international transfer
• Generating your MCB IBAN instantly from your account number
• Understanding why IBAN format matters for cross-border payments
• Finding your MCB account number if you don't have it handy

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Cross-check SWIFT/IBAN standards with SWIFT.org, State Bank of Pakistan.