What Is a Sort Code?

A sort code is a six-digit numerical code that identifies the specific bank and the specific branch where the bank account was initially opened. It is mainly used in the UK banking system to indicate where payment is going or coming from. Every bank account in the UK is assigned a sort code.

What is a sort code for? 

Sort codes are a system for enabling money transfers between individuals and banks. The 6-digit system evolved from a 1-digit system as transactions increased in volume globally

In some ways, your sort code is even more important than your account number. If you enter an incorrect sort code when making a transfer, your money may end up at the wrong branch, or even at a different bank entirely. Only customers in the UK and Ireland are issued sort codes. In other countries, sort codes have been replaced by the IBAN, or International Bank Account Number.

Where can you find a sort code?

There are several ways to locate the sort code for your bank account:

1. On your bank-issued debit or credit card: Often, the sort code and account number are printed on the back of your debit or credit card. However, this can vary from bank to bank.
2. On bank statements: Your bank statements, whether paper or electronic, will display your sort code.
3. Via online banking: Log into your online banking account. Once logged in, navigate to your account details to view your sort code and account number. Ensure you are registered for online banking and have your login details handy.
4. On your bank’s website: If you’re registered for online banking, you can easily access your sort code by logging into your bank’s website. Simply click on your account to view the details.
5. Sort code checker tool - can be accessed to find the code.
6. Cheque books: if you still use cheque books, your sort code will usually be printed there.

What Does a Sort Code Look Like?

Typically, the sort code is written in three pairs such as 12-34-56. The first two digits identify the bank, the following four digits refer to the branch.

A sort code is also embedded in the International Bank Account Number (IBAN), used for international payments. In this case, it will be six digits hidden in a 22- to 34-digit code.

Are there better ways to send payments to the UK?

If you are using your bank or brokers to pay your suppliers in the UK, you are likely paying unfavorable exchange rates or experiencing constant payment delays. On top of that, there's a wire fee for every transfer.

There are better, more efficient, and faster ways to send money to the UK. With Finofo, you can open your own bank account in the UK with just a click - no need to register a business or open an entity.

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