Trust Bank SWIFT Code Singapore: TRBUSGSGXXX — Complete Guide (2026)

Everything you need to receive international transfers to your Trust Bank account — verified July 2026.

Trust Bank Singapore’s SWIFT code is TRBUSGSGXXX (8-character version: TRBUSGSG). You need this code when someone overseas wants to send money directly into your Trust Bank account via an international wire transfer. Trust Bank is Singapore’s digital bank backed by Standard Chartered and FairPrice Group, and it is fully MAS-regulated under Standard Chartered’s banking licence.

Not financial advice. All figures are for educational reference only. Data verified as at 11 July 2026.

Table of Contents

What Is Trust Bank’s SWIFT Code?

A SWIFT code — also called a BIC (Bank Identifier Code) — is a standard international format used to identify a specific bank during cross-border transfers. Think of it as your bank’s postal address for the global banking network.

Trust Bank Singapore’s SWIFT code is TRBUSGSGXXX. You may also see the shorter 8-character version listed as TRBUSGSG — both refer to the same bank and head office. When in doubt, use the 11-character version with XXX.

Here is exactly what each part of the code means:

Source: SWIFT global registry, verified July 2026

Trust Bank Singapore Limited has only one registered SWIFT code. There are no branch-specific codes to worry about — TRBUSGSGXXX covers all Trust Bank account holders.

When Do You Need Trust Bank’s SWIFT Code?

You will need to provide the SWIFT code TRBUSGSGXXX in two main situations:

• Receiving money from overseas: If a family member, employer, or client is sending you money from a foreign bank account, they will need Trust Bank’s SWIFT code to route the payment correctly.
• Setting up recurring international salary or payment credits: Some employers based abroad (or payroll platforms like Deel or Remote) require your bank’s SWIFT code to credit your account monthly.

You do not need the SWIFT code for domestic Singapore transfers — those use PayNow (linked to your IC number or mobile number) or FAST transfers instead. The SWIFT code is strictly for cross-border wire transfers involving foreign banks.

Details to Share With an Overseas Sender

Giving someone just the SWIFT code is not enough. When asking someone overseas to wire money into your Trust Bank account, share all of the following:

Source: Trust Bank Singapore support documentation | thekopinotes.com

One important note: Trust Bank accounts currently only hold Singapore Dollars (SGD). If someone sends you money in USD, GBP, or another currency, the receiving bank or intermediary will convert it to SGD before it lands in your account. You will not be able to hold foreign currency in your Trust Bank account.

If you regularly receive foreign currency payments and want to hold them in that currency, consider opening a multi-currency account (e.g. Wise or Revolut) alongside your Trust Bank account. You can read our Trust Bank interest rate guide to see how to maximise the SGD savings rate once the funds arrive.

How to Receive an International Transfer to Trust Bank

The process is straightforward once you have your account details ready. Here is a step-by-step breakdown of what happens when someone sends you an international wire transfer:

Step 1 — Share your details with the sender. Provide the full list in the table above: SWIFT code (TRBUSGSGXXX), bank name, bank address, your account number, and your full name. Sending an incomplete set of details is the most common reason transfers are delayed or returned.

Step 2 — Sender initiates the transfer from their bank. The sending bank enters your SWIFT code and account number into their wire transfer system. The payment is then routed through the SWIFT network to Trust Bank Singapore.

Step 3 — Processing time. International transfers typically take 1–5 business days to arrive, depending on the sending country and whether any intermediary banks are involved. Transfers from certain regions (such as Southeast Asia or Australia) are often faster — sometimes arriving the next business day.

Step 4 — Receiving the funds. When the transfer lands, it will appear in your Trust Bank account in SGD. If the original currency was not SGD, the conversion will have been applied by the sending bank or an intermediary bank before crediting your account.

Step 5 — Check for intermediary bank fees. Some international transfers pass through one or more correspondent banks along the way. Each of these banks may deduct a small fee (typically USD 10–25) from the transferred amount. This is separate from any fees the sending bank charges — ask your sender if their bank uses “full amount” (SHA/BEN/OUR) fee options.

If you are expecting a transfer and it has not arrived after 5 business days, contact Trust Bank support through the Trust App with the transfer reference number from the sender. That reference number (sometimes called a SWIFT reference or MT103 number) is essential for tracing delayed payments.

Trust Bank Singapore — Key Facts

Understanding Trust Bank’s full profile helps you know whether it is the right account to receive your international funds in. Trust Bank launched in September 2022 as Singapore’s first home-grown digital bank. It is a joint venture between Standard Chartered Bank and NTUC Enterprise (FairPrice Group).

Trust Bank operates under Standard Chartered’s existing full banking licence — which means it is regulated by the Monetary Authority of Singapore (MAS) at the same level as DBS, OCBC, or UOB. Your deposits are insured by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor.

Source: Trust Bank Singapore official website and app | July 2026

To earn the maximum 2.40% p.a. on your savings, you need to meet three bonus criteria each month: credit your salary into Trust Bank, spend at least S$500 on your Trust credit card, and grow your savings balance. If those conditions feel like too much effort, the Zen Plan gives you a flat 0.50% p.a. with absolutely zero requirements.

Compared to the other digital banks, Trust Bank sits in the middle of the pack. MariBank and GXS Bank both pay up to 2.68% p.a. with no conditions — so if your priority is a hassle-free high interest rate, you may want to compare options. See our MariBank review Singapore for a full side-by-side, and check the Trust Bank referral code and sign-up bonus if you’re opening a new account today (referral code: HTWYQP95 for a welcome bonus).

Can You Send International Transfers FROM Trust Bank?

Here is an important limitation to be aware of: Trust Bank currently does not support outgoing international wire transfers. The Trust App only allows you to send money domestically — via PayNow to another Singapore bank account or FAST transfer to any Singapore-registered bank.

If you need to send money overseas — paying a foreign freelancer, supporting a family member abroad, or paying an overseas merchant — you have two practical options:

• Use Wise (formerly TransferWise): Transfer your SGD from Trust Bank via PayNow to your Wise account, then send it internationally in the recipient’s currency. Wise typically offers near-mid-market exchange rates with transparent fees.
• Use your YouTrip or Revolut multi-currency card: Great for spending abroad, though not ideal for large bank-to-bank transfers.

This is a deliberate design choice by Trust Bank — they focus on the domestic Singapore savings and credit card market. Standard Chartered (their parent bank) handles international banking needs for customers who require them.

Alternatives if You Need Full International Banking

If international banking is a core part of your financial life — you receive regular overseas income, pay foreign vendors, or frequently move money across borders — Trust Bank alone may not be sufficient. Here are the most practical alternatives for Singapore residents:

• OCBC Global Savings Account: A traditional bank with full SWIFT transfer capabilities both in and out, plus multi-currency holding.
• Standard Chartered Bonus$aver: Given Trust Bank’s Standard Chartered backing, existing SC customers can use their SC account for international wires.
• Wise Singapore: For remittances and FX-heavy transfers, Wise generally offers much lower fees than bank-to-bank SWIFT transfers (wise.com/sg).

For most everyday Singaporeans, Trust Bank works perfectly well as a high-yield savings account receiving the occasional international payment — the SWIFT code TRBUSGSGXXX handles incoming transfers without issue. It’s only for outgoing international payments that you’d need to supplement Trust Bank with another service.

If you are building a long-term savings strategy, pair your Trust Bank account with a robo-advisor for growth. Use our Singapore retirement calculator to see how even small monthly contributions compound over time, and explore our Syfe referral code if you want to start an automated investment portfolio alongside your Trust savings.

Not financial advice. All interest rates, fees, and product features are based on publicly available information as at July 2026. Verify current rates directly with Trust Bank before making financial decisions.

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