Annually through SWIFT passes 2 5 billion payment orders. FIN is basic service SWIFT for message transfer. Over 7 500 financial institutions more than in 200 countries use FIN for the protected exchange of the financial information reliable and economically effective. Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. Also it is known as SWIFT-BIC (English Business Identifier Codes) BIC code SWIFT ID or SWIFT code. This is an effective decision which allows to focus financial streams. Each bank included in system has unique SWIFT code. For reduction of cost of connection and the costs connected both with a technical aspect and with management of SWIFT complex Service bureaus will be organised in the countries .