Banque Nationale D'algerie SWIFT/BIC code

SWIFT/BIC code of Banque Nationale D'algerie

The 8-character code BNALDZAL and the 11-character code BNALDZALXXX refer to one and the same institution: Banque Nationale D'algerie in Algiers, Algeria. A SWIFT code shows the banks handling a payment exactly which bank is meant to get the money, a bit like a postal address for banks. In practice you usually see it on international invoices, in your banking app and on the account details of Banque Nationale D'algerie customers.

On this page we explain what the code means, when you need it and which other details you need for a transfer to or from Banque Nationale D'algerie. The BIC names a bank or branch, not a single account, which is why you always need the account number too.

Protect yourself against fake payment requests

Criminals regularly send fake invoices with changed bank details, sometimes in an email that looks completely genuine. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always verify a change of bank details by phone, using a number you already had. Urgency or secrecy are red flags. Acted too fast? Call your bank straight away and ask them to start a recall and report the fraud.

Scams also work the other way. Someone claims to have sent more than agreed and wants you to return the difference to a new account. A payment confirmation from the sender proves nothing – check your own account.

Verifying the SWIFT code of Banque Nationale D'algerie

The most reliable place for the correct BIC is a document from the bank itself. Compare it against BNALDZAL on this page; if they differ, ask before you pay.

Mistakes in the BIC are costly more than fatal: often the payment comes back, minus fees. Do not forget the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app only confirms that the code exists. Where available, a name check before sending adds an extra layer of safety. For a first payment, many people send a small test amount.

Head office or branch code at Banque Nationale D'algerie?

Having 3 codes, Banque Nationale D'algerie is one of the banks that use separate codes for branches. The main code is BNALDZALXXX.

Usually there is no need to pick a branch: transfers addressed to BNALDZALXXX are routed within Banque Nationale D'algerie without problems. Only use a branch code when the recipient explicitly asks for it.

Not sure which code to use? Ask the recipient or the bank itself. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

About this information

We gather SWIFT/BIC codes using publicly available data and update them regularly. It can happen that information on this page is out of date after a merger or reorganisation. Counts and locations are from our own dataset.

Use our data as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is independent of Banque Nationale D'algerie; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a short note via the contact page.

8 or 11 characters: BNALDZAL versus BNALDZALXXX

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. That gives you BNALDZAL.

XXX at the end of BNALDZALXXX does not stand for a missing value or an error: it stands for the head office of Banque Nationale D'algerie. Some forms insist on 11 characters, in which case you simply add XXX after BNALDZAL.

In practice the code is written in capitals and without spaces. Copying the code is safer than typing it by hand.

Transfer times and tracking a payment to Banque Nationale D'algerie

There is no single delivery time for international payments: some arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Occasionally a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR. Keep your transfer receipt until the money has arrived – you will need it for any trace request.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. As a recipient, you can look at your account to see a slightly lower amount, since fees may have been deducted.

Paying someone abroad from your Banque Nationale D'algerie account

What you pay for an international transfer is made up of several parts. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

That exchange rate margin tends to be the biggest cost because it is hidden in the rate. Compare their rate with the mid-market rate – the rate you find on financial news sites.

For many currency pairs, a transfer service is less expensive than a bank, mainly because of the exchange rate. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Choosing a specialist does not mean closing your account at Banque Nationale D'algerie: you simply pay the service from your account.

Receiving money from abroad at Banque Nationale D'algerie

When you are waiting for money from abroad, send the payer a complete set of details. The basics are: your name, IBAN or account number, BNALDZALXXX and, for some countries, your home address.

Some sending banks want the bank’s address in Algiers; it does no harm to include it. A typo in the IBAN is harder to fix than you might think, so copy the details from your online banking.

An incoming payment does not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. For business payments, you can agree who bears the costs.