If you are sending money to Bank Alfalah Limited in Afghanistan, it is essential to use the correct SWIFT code for the specific branch. International transfers depend on accurate banking identifiers, and using the wrong code can delay or reject your transaction.
Below are the verified SWIFT codes for Bank Alfalah Limited (Afghanistan – Kabul Branch) and its Herat branch, along with a complete guide on how to send money using SWIFT.
SWIFT Codes of Bank Alfalah Limited (Afghanistan)
Bank Alfalah Limited operates in Afghanistan with branch-specific SWIFT codes.
Kabul Branch (Main Branch)
SWIFT Code: ALFHAFKAXXX
Bank Name: Bank Alfalah Limited (Afghanistan – Kabul Branch)
Branch Address: Chahrahi-e-Sadarat 2nd Street 279
City: Kabul
Branch Code: XXX (Main branch indicator)
Herat Branch
SWIFT Code: ALFHAFKA803
Bank Name: Bank Alfalah Limited (Afghanistan – Kabul Branch)
Branch Address: Blood Bank Street, Ground Floor
City: Herat
Branch Code: 803 (Specific branch identifier)
Understanding the Code Structure
- ALFH – Bank code (Bank Alfalah)
- AF – Country code (Afghanistan)
- KA – Location code
- XXX – Main branch (Kabul)
- 803 – Herat branch code
When sending money, ensure you use the SWIFT code that matches the recipient’s branch location.
What Is a SWIFT Code
A SWIFT code, also called a BIC (Bank Identifier Code), is used worldwide to identify banks during international wire transfers. It allows secure communication between financial institutions across countries.
A SWIFT code has 8 or 11 characters:
- First 4 letters: Bank identifier
- Next 2 letters: Country code
- Next 2 letters: Location code
- Last 3 letters: Branch code (if applicable)
Without the correct SWIFT code, international payments cannot be routed properly.
How to Transfer Money to Bank Alfalah Afghanistan
Step 1: Collect Recipient Information
You will need:
- Recipient’s full name (exactly as on bank records)
- Recipient’s account number
- Bank name: Bank Alfalah Limited (Afghanistan – Kabul Branch)
- Correct SWIFT code (ALFHAFKAXXX for Kabul or ALFHAFKA803 for Herat)
- Branch address
- City and country
Step 2: Initiate the Transfer
At a Bank Branch
Visit your bank and request an international wire transfer form. Provide all recipient details including the correct SWIFT code. Review and confirm the transfer fees before submitting.
Online Banking
Log into your bank’s online portal. Select International Wire Transfer. Enter recipient information including the SWIFT code. Confirm currency and amount, then submit.
Mobile Banking App
If supported, use your bank’s mobile app for international transfers. Carefully enter all required details and verify accuracy before authorizing.
Step 3: Obtain a Transfer Reference
After submission, your bank will issue a transaction reference number (often MT103). Keep this number for tracking purposes.
Processing Time and Fees
SWIFT transfers usually take one to five business days depending on:
- Intermediary banks
- Compliance checks
- Currency conversion requirements
Common fees include:
- Sending bank charges
- Receiving bank charges
- Intermediary bank deductions
- Currency exchange margins
Always confirm total charges with your bank before sending funds.
Important Tips
Always confirm the correct branch location before selecting the SWIFT code.
Double-check the account number and recipient name.
Ensure you are sending funds in the correct currency.
Keep payment confirmation until the recipient verifies receipt.
Mistakes in SWIFT codes or account numbers can result in delays or returned funds.
Conclusion
Bank Alfalah Limited in Afghanistan uses two SWIFT codes depending on branch location:
Kabul Branch: ALFHAFKAXXX
Herat Branch: ALFHAFKA803
Using the correct SWIFT code ensures your international transfer reaches the intended branch without complications. Carefully verify all details before submitting your transfer to guarantee a smooth and secure transaction.
