Introduction to Sindh Bank International Transfers

Sindh Bank Limited plays an important role in connecting overseas Pakistanis with their families and businesses back home. Whether you need to send money from Pakistan for tuition fees or receive funds from a relative in the UK, Sindh Bank facilitates international transfers through SWIFT and other remittance channels.

To initiate or receive an international payment through Sindh Bank, you need the correct SWIFT code and accurate beneficiary account details. Providing the correct information helps the banks identify the intended recipient and process the payment. Incorrect or incomplete details may cause delays or rejection, while intermediary bank charges may apply depending on the payment route. See Sindh Bank’s home remittance information for available services.

This guide covers everything you need to know about Sindh Bank international money transfers: the official SWIFT code (SINDPKKAXXX), how the transfer process works for both sending and receiving, what fees and timelines to expect, and how you can potentially save on cost and time by using a Money Transfer.

Sindh Bank SWIFT Code and Bank Details for International Transfers

If you are preparing an international wire transfer to or from Sindh Bank, the details below serve as your practical reference. Getting these right the first time can save you days of delays and unnecessary charges.

The SWIFT Code

SINDPKKA is Sindh Bank's 8-character SWIFT/BIC. SINDPKKAXXX is the 11-character version used for the head office. 

Here is how the code breaks down:

The shorter 8-character version, SINDPKKA, is the head office SWIFT code for Sindh Bank and is accepted on many transfer forms. SWIFT codes are 8 or 11 characters long - the "XXX" suffix simply indicates that the code points to the main branch rather than a specific regional office.

What Is a SWIFT Code?

A SWIFT code - also known as a BIC (Bank Identifier Code) - is a unique identifier assigned to every participating bank under the Society for Worldwide Interbank Financial Telecommunication. It ensures that international payments are routed to the correct financial institution. SWIFT/BIC codes identify the financial institution involved in a cross-border payment and help banks route international transfers correctly. 

SWIFT codes help identify banks in international money transfers, supporting accurate routing of payment instructions between the sender’s bank and the recipient’s bank.

Registered Head Office Address

The registered address associated with Sindh Bank's SWIFT code is:

Federation House, 3rd Floor, 28/5 Abdullah Shah Ghazi Road, Clifton, Karachi, Sindh, Pakistan

This address is typically required when filling out SWIFT transfer forms at the sender's bank.

What Details You Need

Beyond the SWIFT code, you will also need:

The recipient's full name (exactly as it appears on the Sindh Bank account)

The 14-digit Sindh Bank account number or IBAN

The branch name and branch code where the account is held

For reference, an example IBAN for a Sindh Bank account follows the format: PK75SIND000301559445610.

MT103 Message Fields

When your bank prepares an MT103 message (the standard SWIFT payment instruction) for international transfers, it should include:

Field 57 (Account with Institution): SINDPKKA 

Field 59 (Beneficiary): Recipient's full name and account number

Field 70 (Remittance Information): A clear payment purpose

Using the wrong SWIFT code can delay payments, cause rejections, or trigger additional intermediary bank charges. Always confirm the code and account details directly with Sindh Bank or the recipient before sending money.

Send Money with ACE 

How to Send and Receive International Transfers with Sindh Bank

Sindh Bank facilitates both outward remittances (sending money from Pakistan to another country) and inward remittances (receiving funds from abroad into a Sindh Bank account), typically via the SWIFT network. Here is how each direction works.

Outward Remittances: Sending Money from Pakistan

Residents and businesses in Pakistan can request Sindh Bank to send foreign currency abroad for purposes approved by the State Bank of Pakistan - including tuition fees, medical expenses, family maintenance, and import payments. Outward remittances from Pakistan must comply with SBP foreign-exchange rules and the applicable documentation requirements. Some transactions require specific approval. 

Typical steps to send an international transfer from Sindh Bank:

Outward international transfers may require branch processing and supporting documents depending on the purpose and transaction. 

Fill out the foreign outward remittance form.

Provide the beneficiary's details required for outward remittances, which include full name, account number, and the bank's SWIFT code.

Specify the amount, currency, and the purpose of the transfer. Transfer instructions must include the purpose of the payment for regulatory compliance.

Pay the applicable fees and charges.

Standard documentation for international money transfers includes KYC details and proof of transfer purpose. Identification documents required for transfers include CNIC or passport.

Fees for outward remittances:

Outward remittance fees may include service charges and SWIFT charges. Based on Sindh Bank's schedule of charges:

Charges for foreign remittances can vary depending on the transaction amount and currency.

Inward Remittances: Receiving Money from Abroad

To receive funds from abroad, the sender needs to instruct their bank or remittance service to use Sindh Bank Limited as the beneficiary bank, entering the SWIFT code SINDPKKAXXX along with the recipient's correct account number and full name.

Valid identification and tracking references are essential for receiving funds from abroad. Once the funds reach Sindh Bank’s correspondent (NOSTRO) account, the bank processes the remittance and credits the beneficiary’s account, subject to applicable verification requirements and processing procedures. For current processing timelines, check with Sindh Bank.

Fees for inward remittances:

Charges for inward remittances to Sindh Bank accounts depend on the type of remittance and applicable banking terms. Check the bank’s Schedule of Charges for applicable fees before initiating a transfer. If the recipient requests the funds be forwarded to another local bank, a flat charge of PKR 200 may apply. In some cases, an indenting commission of 0.13% (minimum PKR 200) is charged for collecting foreign remittances.

Sindh Bank can receive foreign-currency remittances and also offers foreign-currency accounts in permissible currencies. The currency credited depends on the account and transfer arrangement. 

Keep in mind that the exchange rate applied may include a spread over the mid-market rate. Exchange rates fluctuate daily. Check Sindh Bank's current published rate before confirming the transfer. 

Common Risks and Delays

Incorrect or incomplete SWIFT code, account number, or beneficiary name

Missing documentation (proof of identity, proof of purpose)

Intermediary bank fees deducted en route - these are outside Sindh Bank's control

Weekend and public holiday delays in both Pakistan and the sending country

Sending Money to Sindh Bank with ACE Money Transfer

If you are sending money to a Sindh Bank account from abroad, ACE Money Transfer may offer a bank deposit option where available. Before confirming your transfer, review the applicable fees, exchange rate, and estimated delivery time on the ACE Money Transfer website.

Instead of initiating an international wire transfer through your local bank, you may be able to use ACE Money Transfer to send funds directly to an eligible Sindh Bank account in Pakistan. Available payment methods, fees, exchange rates, and delivery times vary by provider and transaction. Check the ACE Money Transfer website for current transfer options and details.

How the ACE Money Transfer Process Works

You can send international remittances using the ACE Money Transfer platform by creating an online account, entering recipient details, and paying via debit card, credit card, or online bank transfer. Here are the core steps:

Register or log in to your account using your email, Google, or Apple ID.

Choose your destination country - select Pakistan - and pick a payout option (bank deposit to Sindh Bank).

Enter accurate recipient details, including the recipient's full name and Sindh Bank account number.

Select a payment method - debit card, credit card, or online bank transfer.

Add a payment reason and review the exchange rate and fees displayed on screen.

Confirm the transfer details and click Pay Now.

Track your transaction in real time using the reference tracking number provided.

Both sender and recipient can monitor the status of the transfer until the funds are credited to the Sindh Bank account.

Available Payout Methods

Ace Money Transfer offers three payout methods in Pakistan:

For transfers to Sindh Bank, the bank deposit option is the most relevant. The maximum limit per bank deposit transaction to Pakistan is PKR 10 million, while cash pickup is capped at PKR 500,000.

Why Consider ACE Over a Direct SWIFT Transfer?

Here is how ACE Money Transfer compares to sending a traditional bank wire through Sindh Bank's SWIFT channel:

Transparent fees: ACE shows you the total cost - transfer fee plus exchange rate - before you confirm. International bank transfers may involve sending bank fees, intermediary bank charges, and currency conversion margins, depending on the banks and payment route.

Exchange rates: ACE Money Transfer displays the applicable exchange rate before you confirm a transaction. Rates may vary by sending country, destination, and transfer amount. Check the current exchange rate and transfer details before sending.

Transfer delivery times: Bank deposits through ACE usually arrive within 1–2 business days, compared to the 2–5 working day window for SWIFT transfers that may involve multiple correspondent banks (Rates and fees may vary. Visit acemoneytransfer.com for current rates).

Convenience: The entire process is handled online or via the ACE app. There is no need to visit a bank branch, fill out foreign outward remittance forms, or gather physical documentation at the counter.

Transfer fees for smaller amounts: Transfer costs can vary by provider, transfer amount, payment method, and destination. Sindh Bank’s applicable SWIFT charges and ACE Money Transfer’s fees may differ, so compare the total fees and the amount the recipient will receive before confirming a transfer. Check Sindh Bank and ACE Money Transfer for current charges and terms.

Choose the Right Option for Your Corridor

Your optimal choice depends on where you are sending from and how much you are transferring. Consider your own sending corridor - whether it is the UK, Europe, Canada, Australia, or the GCC to Pakistan - and your preferred payout method (Sindh Bank bank deposit, cash pickup, or mobile wallet through available options) to optimise both speed and cost.

For example, when sending from Australia, ACE's fee is approximately 1.50% of the sent amount with a minimum of AUD 2.99, plus an exchange rate spread between 0.1% and 1.50% (Visit acemoneytransfer.com for current rates). Depending on the amount sent, ACE Money Transfer’s total cost may differ from a traditional bank wire once transfer fees, SWIFT charges, correspondent bank deductions, and exchange rate margins are considered. Compare the total cost and expected recipient amount for your specific transaction before choosing a transfer method. Rates and fees may vary. Visit acemoneytransfer.com for current rates and charges.

Before your next transfer, check current ACE Money Transfer rates and available payout methods for sending money to Sindh Bank.

Key Takeaways

Sindh Bank Limited's SWIFT code is SINDPKKAXXX (or SINDPKKA in 8-character format), registered at Federation House, Clifton, Karachi.

Outward remittances from Pakistan require SBP-approved purposes, valid identification, and compliance documentation.

Inward remittances to Sindh Bank are typically free when credited directly to the recipient's account.

International SWIFT transfers take 2–5 working days and may incur service charges, SWIFT fees, and intermediary bank deductions.

Bank deposit transfers through ACE generally take 1–2 business days, depending on the payment method and transaction details. Before confirming a transfer, review the applicable fees, exchange rate, and estimated delivery time on the ACE Money Transfer website.

Always verify the SWIFT code, account number, and beneficiary name before initiating any transfer to avoid delays or rejections.

Whether you are a regular sender supporting family in Pakistan or making a one-time payment, understanding your options helps you keep more of your money where it belongs - in the hands of the people you are sending it to.

Disclaimer: This article is intended for general informational and educational purposes only and should not be construed as legal, regulatory, tax, business, or financial advice. While reasonable efforts have been made to ensure that all facts, figures, and data are accurate and valid as of the date of publication, no warranty or guarantee is given as to the ongoing completeness, accuracy, or currency of the information.

The content is based on information available at the time of publication. Regulations, government policies, market conditions, and service offerings may change over time and vary across jurisdictions and providers. As a result, some information may no longer be current or applicable. Readers should independently verify all information and consult qualified professional advisors before making any financial, legal, or business decisions.