Special service of SWIFT - MACUG (Member Administered Closed User Group - the Closed group of users under the direction of Member of SWIFT) was created for this purpose. Also it is known as SWIFT-BIC (English Business Identifier Codes) BIC code SWIFT ID or SWIFT code. Special service of SWIFT - MACUG (Member Administered Closed User Group - the Closed group of users under the direction of Member of SWIFT) was created for this purpose. Migration from connections to FIN on X.25 to SWIFTNet FIN will allow both to users and most SWIFT to cut the expenses by refusal of use of network X.25 and the out-of-date technologies accompanying the given protocol that already takes place in some countries. The Service bureau is the non-financial organisation created under direct control and annual audit by SWIFT (Belgium). This system will allow the users working only with FIN to move to the category of those who already has access to SWIFTNet and is familiar with new technologies and products that considerably facilitates their connection to additional services of SWIFTNet in the future; There are two schemes of connection to SWIFT network: own connection and collective.