Those transfer interfaces that require an 11 digit code would enter NEDSZAJJXXX. Swift is a communication network used by banks, brokers, financial institutions and corporations to exchange messages. The FSA has therefore issued a reminder of the guidelines for this data I its recent newsletter. SWIFT and BIC codes, they have all the records on all international banks. However, the FSA and approved reporting mechanisms (ARMs) have found the practical reality of implementation is much harder than first thought. SEPA payments require both BIC and IBAN.

Country	City	Bank Name	Branch	SWIFT
Poland	Warszawa	Volkswagen Bank	Volkswagen Bank	VOWAPLP1XXX