I understand the concept of SWIFT codes, i.e. they are used when wiring money from one bank to another bank, either domestic or foreign. I am unclear, however, why a given bank will have multiple SWIFT codes, depending on the department or branch of the bank. I would think and hope that by now, regardless of the bank, a customer could go into any branch of that bank and process the receipt of the wire transfer, because of that bank's computer systems? Does it make sense, therefore, that the sender must specify the code for a particular branch? Thanks.