How to Receive Payment From Adsence if my Bank Doesn’t have SWIFT BIC Code ?

Google Adsense is one of the main sources of advertisement used on most websites for a long time. In India Google now limited their payout only through direct bank transfer. Previously Google had mainly two ways of payment, one is by direct bank transfer and the second is by Cheques.

But because of some reasons, google only making the payment via bank transfer now when the AdSense payment threshold has reached. The transfer can be made to any bank account in India, however, there are some configuration needed. This makes some people confused. The most important thing is the SWIFT BIC Code.

How to Add Bank Account In Google Adsense ?

From your Google Adsense account, go to the Payment section. In the payment section, click on the Add Payment Method.

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In the new page, you can provide the details of your bank account. Please see the screenshot below. It is not necessary to fill all the fields. The necessary fields are following

  1. Name on the Bank Account – There provide your name as seen on your bank account. It is recommended that your name on the bank account and the name on the Google Adsense should be same.
  2. Bank Name – Name of your bank (eg: State Bank of India, ICICI HDFC etc.)
  3. IFSC Code – Here you need to provide the IFSC code of your bank.
  4. SWIFT BIC – Here, provide the SWIFT code of your Bank. If you can’t find the code, then contact your local bank for the same. (Note all the banks do not have SWIFT BIC code. In that case please see the below method)
  5. Account Number – Provide your account number here.
  6. Re-type Account Number – Here enter the account number once more.

Google Adsence Payment

What is SWIFT BIC Code ?

SWIFT Code is the international code that used to identify each back for international or overseas transactions. Since Google is making the payment from outside India, SWIFT code is necessary to get the payment.

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How to Find the SWIFT Code for a Bank

SWIFT Code can be easily found from the Cheque leave if you have one. It is printed at the bottom of each cheque leaf. Alternatively, the best way to find it by making a call to any branch of your bank. The representative will tell you the code if needed.

How to receive payment if my Bank Doesn’t have SWIFT BIC Code ?

As I mentioned above, all the banks in India do not have the SWIFT BIC code. For eg. State Bank of India is the largest bank in India. SBI also has a number of branches in each state too. But if we consider any state, out of 100s or 200s of branches in a state, only 20 or 30 branches will have the Swift BIC code.

So, the branch that has the SWIFT BIC code only can receive payment from outside the country. If your branch doesn’t have the SWIFT feature, no need to worry. Still, you can receive the payment in your local bank.

In that case, find the nearest branch in your area which have the SWIFT feature and find the code of that bank (branch). In your Google Adsense, provide that SWIFT Code. That it. You are now done with it.

Now, you can receive payment directly to your local bank account. It is not necessary that your local bank has a SWIFT feature. If the SWIFT feature is unavailable in your bank, then provide the nearest banks (branches) swift code.

Note: The SWIFT Code you provide must be from the same bank, If your bank account is ICICI, and once you search for the swift code of ICICI bank and that particular branch doesn’t have SWIFT code, then you can use the SWIFT code of any nearest ICICI branch. Once you fill up all the details and once your payment threshold has reached, google will release your payment on AdSense payment date which is 3rd week of every month

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13 thoughts on “How to Receive Payment From Adsence if my Bank Doesn’t have SWIFT BIC Code ?”

    • You should write the IFSC code of your home branch itself. Since your branch doesn’t have the Swift code, write the swift code of the nearest branch (one having the swift code) of the same bank.

  1. My account is rural branch which doesn’t have Swift code but if I am going to write the nearest same bank swift code which is 200km away from my village does it work.

  2. please reply……Swift code of hdfc for utter pradesh is not available, so of which state’s swift code can I use?

        • You can contact your local branch itself. if you are still confused with the SWIFT code, the better ask your local baranch official about the available SWIFT code. Tell them that your are looking to have fund from international location. They will provide you with the SWIFT code and other details.

  3. SBI (all branches) at my home district don’t have SWIFT Code. But, SBI of neighboring district has SWIT Code. Can I use this code?

    Please reply!

  4. SBI (all branches) at my home district don’t have SWIFT Code. But, SBI of neighboring district has SWIT Code. Can I use this code?

    If yes, then:

    1. Will I have to visit that bank
    to request or to inform them about my money.

    2. Or, Will that particular bank transfer my money into my local bank account?

    Too much confusion!!!!

    Please reply in detail!

    Thanks and regards….

    • No need to inform the bank about that. It is all done automatically. The only thing you need to verify is the account details and the correct SWIFT code.


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