When you send an international SMS. BIC of the central counterparty. These 'BIC12's are not part of the ISO standard, and are only relevant in the context of the messaging platform. You wish to send money to some person overseas, withdraw money from any payment portal or making purchase payment via online banking.

CountryCityBank NameBranchSWIFT
Poland Poznan Gospodarczy Bank Wielkopolski S A Gospodarczy Bank Wielkopolski S A GBWCPLPPXXX
 
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