First, handling payment is a common issue with import/export. The banking system is supposed to be wired together, but it doesn't work that way. Remember it is not one single system. The SWIFT is just a common interface that the banks agree to implement - it is like a web service. If something goes wrong, it could be anywhere - could be Apple, Apple's bank, or your bank.
So, the same guideline applies as doing any import/export business. Use the biggeset, more reliable, international bank you can find. Don't use some small local bank or credit union because they charge less monthly fee or offer free checking. I will bet that most of the problems happen with the receiving side, not the sending side.
Apple's problem is customer service and change management. There is no appearance way to change a bank easily, and there is no feedback.
I think Apple should simply require the developers to use assigned banks (for example, bofa, chase or citi in US), and I bet everything would be much smoother. However, I also bet a lot of people will complain about that and say "why cannot I use my community credit union?".
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