SWIFT PAYMENT CENTRE is this real or scam?

Anything that is done via e-mail without first previously contacting you via certified mail is most likely a scam. If it is truly legitimate...tell them to contact your lawyer in writing, and see if it happens. Also, if you are truly a beneficiary, then they should just be able to cut you a check in the currency you want, so that you don't have to give out bank information. Just tell them you don't conduct business that way, and that all transactions must be done by check to insure the security of your account. If they don't like that, then you must not be a true beneficiary, it is a scam, and report the email as spam. Also, anything with Nigeria in it is almost ALWAYS a scam, as well as those UK Lottery e-mails.