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The short answer
Keystone Bank's SWIFT/BIC code is PLNINGLA, written PLNINGLAXXX in its 11-character form, where XXX is the head office code. A sender abroad needs this code, your full account name, your 10-digit Keystone account number, and the bank's name and address (1 Keystone Bank Crescent, Victoria Island, Lagos). For foreign currency, the account should be a domiciliary account in the same currency.
A SWIFT code (also called a BIC) tells banks around the world which bank should receive an international payment. It does not identify your account; your account number does that. Keystone Bank's code is listed by Wise as PLNINGLAXXX for Keystone Bank Limited, head office, Lagos, as checked in October 2026. The letters do not spell "Keystone", which confuses some senders; what matters is that SWIFT directories match the code to Keystone Bank Limited, and Wise's directory does.
The details to give a sender
| Field | What to enter |
|---|---|
| Beneficiary bank | Keystone Bank Limited |
| SWIFT/BIC | PLNINGLA (or PLNINGLAXXX) |
| Bank address | 1 Keystone Bank Crescent, off Adeyemo Alakija Street, Victoria Island, Lagos, Nigeria |
| Beneficiary name | Your name exactly as on the account |
| Account number | Your 10-digit Keystone account number |
| Currency | USD, GBP or EUR to a matching domiciliary account |
8 or 11 characters?
Both identify the same bank. PLNINGLA is the eight-character code; PLNINGLAXXX adds XXX for the head office. Wise notes that not every branch has its own code, so the head office code is the one to use. If a sender's form asks for 11 characters, use PLNINGLAXXX.
IBAN and sort codes
Keystone account numbers are 10 digits (Keystone's own USSD page uses a 10-digit example). Wise's page says IBANs are required in the Eurozone but does not say Nigeria uses them. If a sender's bank insists on an IBAN field, ask it for the international payment option that takes an account number instead, and check with Keystone. Our guide to IBAN, sort codes, routing numbers and SWIFT explains each.
Which Keystone account can receive
For a foreign-currency transfer, the safest destination is a Keystone domiciliary account in the same currency. Keystone offers a Domiciliary Account in USD, GBP or EUR, a USD-only Domiciliary Lite designed for receiving diaspora remittances, and a Diaspora Current Account. Details are in our Keystone domiciliary account guide.
Some international payments also route through a correspondent (intermediary) bank, especially in US dollars. Keystone's pages we read do not publish its correspondent bank details, so if a sender's bank asks for them, ask Keystone's contact centre (+234 700 2000 3000 or contactcentre@keystonebankng.com) before the payment is made.
Sending money out of Keystone
The same code matters in the other direction: when you send foreign currency abroad from a Keystone domiciliary account, the receiving bank abroad will see Keystone's BIC on the payment. You will need the recipient's full name and address, their account number or IBAN, their bank's SWIFT code and, for US dollars, sometimes a routing number. Personal outward transfers are subject to the CBN's foreign exchange rules, including documentation for purposes such as school fees or medical bills; our FX Manual 2026 guide summarises them. Expect the $25 telex charge Keystone lists, plus any fees deducted along the way.
Avoiding SWIFT scams
Fraudsters sometimes send fake "SWIFT confirmation" documents to persuade a seller to release goods, or ask a recipient to pay a "clearance fee" before an international transfer can be credited. Banks do not ask recipients to pay to release incoming money. Treat any such request as a scam, and confirm any incoming payment only by checking your own account balance, not by looking at a document someone sends you.
Costs and timing
- Wise's page notes the recipient may not get the full amount, because receiving and correspondent banks can deduct fees, and that speed is not guaranteed.
- Keystone lists a $25 telex charge on its domiciliary accounts for outgoing international transfers, and a 0.05% fee when you withdraw foreign cash.
- The sender's bank sets its own fee and, if it converts currency, its own exchange rate. Check those on the sender's side; this guide does not quote exchange rates, which change daily.
Worked example
Example: your sister in the US sends $500 to your Keystone USD Domiciliary Lite account. If an intermediary bank deducts a fee on the way, less than $500 arrives. Suppose $490 arrives and you withdraw it all in cash: the 0.05% cash withdrawal charge is $0.245, about 25 cents, and $490 is within Domiciliary Lite's $2,000 per-transaction cash cap.
What to check first
- Your account name matches the name the sender types, letter for letter.
- The account is in the currency being sent.
- The sender has PLNINGLA or PLNINGLAXXX, not a code copied from another bank.
- Ask Keystone whether correspondent details are needed for the currency.
- Keep the sender's payment reference (often called the MT103 or SWIFT reference) in case the money needs to be traced.
Where Pryme fits
SWIFT is one route; local payment rails are another. Pryme's multicurrency account gives USD, GBP and EUR their own local account details, so a sender abroad can often pay as if paying a local account; foreign-currency services outside Nigeria run through regulated partners. Our explainer SWIFT vs local payment rails compares speed and cost.
Questions people ask
What is Keystone Bank SWIFT code?
PLNINGLA, or PLNINGLAXXX in 11-character form, for Keystone Bank Limited, head office, Lagos.
Does Keystone Bank have an IBAN?
Keystone accounts use a 10-digit account number. Wise's SWIFT page does not show an IBAN for Nigeria. Give the sender your account number with the SWIFT code PLNINGLAXXX, and confirm with Keystone if the sender's bank asks for an IBAN.
Can I receive dollars into my Keystone naira account?
The safer route is a Keystone domiciliary account in USD. Ask Keystone how a foreign-currency payment into a naira account would be treated before anyone sends it.
What is Keystone Bank address for international transfer?
1 Keystone Bank Crescent, off Adeyemo Alakija Street, Victoria Island, Lagos, Nigeria, as listed on Keystone's own site.
Sources
- Wise: SWIFT code PLNINGLAXXX, Keystone Bank Limited · accessed Oct 2026
- Keystone Bank: Personal banking accounts (including domiciliary and diaspora) · accessed Oct 2026
- Keystone Bank: USSD Banking (*7111#) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.