3.8.4 Use of BIC and IBAN
银行要求欧盟境内的所有转账都包含完整且清晰的收款人银行和账户详细信息。这些被称为银行标识符代码（BIC）和国际银行帐号（IBAN）详细信息，通常在经常账户持有人的银行对账单顶部引用。IBAN在75个国家使用;其中34个是单一欧洲支付区的成员。
Banks require all transfers within the EU to include full and clear beneficiary bank and account details. These are known as Bank Identifier Code (BIC) and International Bank Account Number (IBAN) details and are usually quoted at the top of bank statements of current account holders.
IBAN is used in 75 countries; 34 of them are members of the Single European Payment Area.
EXAMPLE OF A BIC
典型的BIC标识银行和分行。它将显示如下：MIDLGB22123。
BIC 由银行代码 （MIDL）、国家/地区 ISO 代码 （GB） 和分行标识符号组成 (22123).
A typical BIC identifies the bank and branch. It would appear as follows: MIDLGB22123.
The BIC consists of a bank code (MIDL), a country ISO code (GB), and a branch identifier number (22123).
EXAMPLE OF AN IBAN
IBAN可识别特定的银行帐户，并使其更容易处理跨境付款。典型的 IBAN 最多可长达 32 个字符，如下所示：GB15MIDL40051512345678。
An IBAN identifies a specific bank account and makes it easier to process payments across borders. A typical IBAN can be up to 32 characters long and would appear as follows: GB15MIDL40051512345678.
IBAN 由国家/地区代码 （GB）、校验位 （15）、银行代码 （MIDL）、 后跟排序代码 （400515） 和帐号 （12345678） 组成。
The IBAN consists of the country code (GB), a check digit (15), the bank code (MIDL), followed by a sort code (400515) and an account number (12345678).
在资金转帐指令中包含这两个代码，使使用 SWIFT 的银行能够通过直通式处理 （STP） 相互发送报文，从而消除延迟和查询。
Inclusion of both of these codes in funds transfer instructions enables banks using SWIFT to send messages to each other using straight‑through processing (STP), eliminating delays and queries.
直通式处理
STRAIGHT‑THROUGH PROCESSING (STP)
一种系统，其中交易由自动化系统处理，极少的人为干预。
A system where a transaction is processed by automated systems with minimal human intervention.