SWIFT/BIC codes in Antigua & Barbuda

Finding a SWIFT code in Antigua & Barbuda

Here you will find the SWIFT/BIC codes of 16 banks in Antigua & Barbuda. Each code points to an institution or one of its branches and tells other banks where an international payment should go.

Each bank has its own page showing its main code and, where available, branch codes. Below the list we explain how codes from Antigua & Barbuda are built, how to send money to Antigua & Barbuda at a fair price and what to check before you pay.

Paying a bank in Antigua & Barbuda from abroad

Since Antigua & Barbuda is outside SEPA, an international payment is usually sent as a SWIFT payment. That means you always need the BIC of the receiving bank in addition to the account details.

Not every country uses the IBAN – where there is none, the local account number is enough. The receiving bank often has instructions for payments from abroad – follow them exactly. SWIFT payments can pass through correspondent banks, each of which may deduct a fee.

Antigua Commercial Bank and its SWIFT codes

In our data, Antigua Commercial Bank has the largest number of SWIFT/BIC codes of all banks in Antigua & Barbuda. The head office of Antigua Commercial Bank has ANCBAGAGXXX.

Banks differ in whether they register branch codes, so the count is not a ranking of size. If not the recipient asks for a branch, ANCBAGAGXXX is fine for a payment to Antigua Commercial Bank.

Sending money to Antigua & Barbuda for less

The price of a transfer to Antigua & Barbuda has more than one component – not only the fee you see. You pay a transfer fee, possibly charges from intermediary banks along the way and, above all, the exchange rate markup.

The markup on the rate is often the biggest part of the cost because it is hidden in the rate. A simple test: put the rate you get against the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate. GoldexPay lists these providers next to each other, showing what actually arrives in Antigua & Barbuda for the same amount sent.

Transfer times to Antigua & Barbuda

An international transfer to Antigua & Barbuda usually needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in Antigua & Barbuda or in the sending country add a day or more, because banks do not process payments on those days.

When a payment takes longer than expected, the sender should contact their own bank for a trace – the receiving bank often cannot see a payment that has not arrived. Money transfer services usually show tracking online, which makes it easier to see where the money is.

Check the code before you pay

Ask the recipient to copy their bank details straight from their online banking. When the code you were given differs from our list, stop and ask.

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. Institutions merge, change names and change codes, and no directory catches every change immediately. Treat our data as a starting point rather than the last word: the bank details from the recipient come first. GoldexPay is not a bank and is not affiliated with the banks listed.

Be wary of invoices containing a new account. Always verify changed details by phone.

How SWIFT codes from Antigua & Barbuda are built

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

Whatever the bank, all Antigua & Barbuda codes have the same fifth and sixth letters, namely the ISO code of Antigua & Barbuda. When those two letters point to another country, the code belongs to a bank in another country – worth double-checking.

An 11-character code ends in a branch code, where XXX means the head office. In most cases the head office code is fine.

Getting paid from abroad into an account in Antigua & Barbuda

If you expect money from abroad on an account in Antigua & Barbuda, send the payer a complete set of details. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and usually your address.

Your bank’s code appears in the list on this page but always compare it with your own bank details. It helps to include the name and city of your bank, since some payment forms ask for it.

The amount you receive can be less than what was sent. Charges on incoming payments differ from bank to bank – your bank’s price list tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.