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07 May 2026
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Industry
Banking
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Banking Services Transformation: Unlocking Exponential Value
TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
Related Insights
Join us at the NY event and explore how innovative solutions are transforming businesses through the power of AI, generative AI, cloud, and enterprise data.
Events
07 May 2026
Discover how TCS BaNCS for Payments has been SWIFT certified for 18 consecutive years and how evolving standards have shaped the trusted payment platform.
Article
14 Apr 2026
Join us at COBA 2025 and find out how TCS BaNCS Global Banking Platform supports Australian mutual banks and credit unions with tailored core banking solutions.
Events
10 Aug 2025
Solution
TCS BaNCS™
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TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
Offering Software-as-a-Service across a stack of solutions and applications, TCS BaNCS facilitates smooth transformation in financial services and drives growth.
Related Insights
Discover how TCS BaNCS for Payments has been SWIFT certified for 18 consecutive years and how evolving standards have shaped the trusted payment platform.
Article
14 Apr 2026
Join us at COBA 2025 and find out how TCS BaNCS Global Banking Platform supports Australian mutual banks and credit unions with tailored core banking solutions.
Events
10 Aug 2025
Visit the TCS team at Booth #66 and explore all about the transformation of building societies and how responsible AI and innovation help enhance outcomes.
Events
28 Apr 2026
18 years of trust
TCS BaNCS for Payments and the SWIFT certification journey.
In payments, trust is not something you claim once and move on. You earn it in each interaction by meeting some of the toughest interoperability standards in global banking. Since 2008, TCS BaNCS for Payments has done exactly that, achieving SWIFT certification every single year, without a break.
- That is 18 consecutive years.
- Eighteen renewals.
- And a level of consistency that is rare in this industry.
To really understand why that matters, it helps to look at how much the certification process itself has evolved over time.
From log files to labs
In 2008, getting SWIFT certified was a vastly different experience. Vendors manually submitted message logs, test outputs, and detailed documentation. There were no standardised test harnesses or automated environments. It was thorough, time-consuming, and heavily reliant on deep domain expertise.
In many ways, it was a trust-based process. Prove your messages worked, explain how, and back it up with evidence. Clearing that bar required not just a capable product, but a team that genuinely understood SWIFT messaging inside out.
Over the years, SWIFT steadily raised the bar. Independent verification partners were introduced. Testing became more structured, automated, and far more rigourous. What was once largely manual and trust based turned into a formal, highly scrutinised certification program.
For TCS BaNCS, that evolution meant continuous investment in keeping SWIFT capabilities not just compliant, but ahead of the curve.
A label that kept evolving
Even the certification badge did not stay static. Over these 18 years, it has been called “SWIFT Certified Application”, “Gold Certified” and “SWIFT Ready”. Today, it is known as a “Swift Compatible Application,” with a clear focus on proven, real-world interoperability with SWIFT services.
Through every rebrand, restructuring, and refinement of the program, TCS BaNCS for Payments has consistently remained on that list.
Keeping up with the big shifts
SWIFT certification is not a one-time achievement. The requirements change every year and sometimes, they change dramatically.
When the Option F was introduced in MT 103 messages to enforce stricter straight-through processing, payment systems had to rethink how messages were structured and validated. TCS BaNCS adapted seamlessly.
The arrival of MT 202/205 COV messages brought much-needed transparency to cover payments, closing gaps that had been exploited for financial crime. This was not a minor tweak; it required real changes in how correspondent banking flows were managed. TCS BaNCS was ready.
Then came SWIFT Global Payments Innovation (GPI). Few initiatives have reshaped correspondent banking as much as GPI did by introducing end-to-end tracking, speed commitments, and the Unique End-to-End Transaction Reference (UETR) as a standard reference. Supporting GPI meant embedding tracker capabilities, acknowledgements, and real-time status updates deep into the platform. TCS BaNCS embraced it fully.
Today, the industry is in the middle of another major shift with Cross-Border Payments and Reporting Plus (CBPR+), driving the move to ISO 20022. With richer data, better compliance, improved STP, the promise is big, and so is the effort required. Once again, TCS BaNCS is certified and ready.
The people behind the certification
It is easy to talk about certifications, but every annual renewal is the result of real work by real people. Engineers, product specialists, and domain experts who stay on top of evolving standards, changing test frameworks, and tight timelines year after year.
They do it quietly, without fanfare. But this milestone belongs to them as much as it does to the product. Eighteen years of certification reflects 18 years of expertise, discipline, and commitment to getting things right.
Why this actually matters
Banks do not choose their payment platforms lightly and they should not. When a bank implements TCS BaNCS for Payments, it is not just deploying software. It inherits 18 years of SWIFT-verified interoperability, backed by consistent investment and architectural discipline.
Each year that TCS BaNCS appears on the Swift Compatible Applications list is another year of assurance for banks around the world that their payment backbone meets global standards today, not just in theory.
Looking ahead
As the industry moves toward full ISO 20022 adoption and explores faster, more transparent cross-border payments, the certification journey continues. Not as a checkbox exercise, but as part of a broader commitment to trust, interoperability, and long-term reliability.
In a world where regulatory scrutiny is increasing and payment transparency matters more than ever, that kind of consistency stands out. It is not just a badge, it is a promise that has been kept every year, for 18 years, and counting.
Verify TCS BaNCS for Payments on the SWIFT Compatible Applications Finder: https://www.swift.com/about-us/swift-partner-programme/find-partner/swift-compatible-applications-finder
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