I would like to add my experience to this discussion.
A while ago, the app switched from a Barclays account to a Lloyds account for top-ups via bank transfers in EUR.
The app shows me this Swift-Code/BIC: LOYDGB21F09.
I was putting in the new IBAN and my bank’s electronic banking was replacing this BIC with a more generic one, that does not point to a specific bank branch or department: LOYDGB2LXXX.
Since an IBAN is already a unique combination of bank identifier and account number, I am confident that the transfer will go through without problems. I just wanted to add my observation, that it seems to be common that banks might “overwrite” a specific Swift code with the one generated from the IBAN while making a SEPA wire transfer.