Schwifty does not always guess the right BIC
As described in https://github.com/mdomke/schwifty/issues/91, schwifty guesses the BIC from the country code and bank or branch code. But at least in France the BICs are not unique against the bank code. The same bank code can have multiple BIC. So the guessing may be wrong. So we should also check that the registered bank may have the right country and bank/branch code if the guessed bic is different.