HSBC Bank Argentina SA SWIFT/BIC code

HSBC Bank Argentina SA SWIFT code: BACOARBA

Whether you are given BACOARBA or BACOARBAXXX, you are looking at the same identifier for HSBC Bank Argentina SA in Argentina. A SWIFT code tells every bank in the chain which institution should receive the money. You will need it mostly for payments that cross a border.

Further down we go through the practical side: money coming in from abroad, sending money abroad and how to verify the code before you hit send. The SWIFT code alone does not identify an individual account holder; that is what the IBAN or account number is for.

Receiving money from abroad at HSBC Bank Argentina SA

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. Give them your name as the bank knows it, the IBAN or account number, the BIC BACOARBAXXX and your address.

You can add the bank name and its city as well, since some forms ask for it. A mistake in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

What lands in your account can be less than the amount sent. Fees for incoming transfers vary per bank – the price list of HSBC Bank Argentina SA tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

What the XXX in BACOARBAXXX means

A SWIFT code is made up of fixed blocks: characters one to four identify the bank, the next two give the country and characters seven and eight indicate the location. Together, those parts make up BACOARBA.

XXX at the end of BACOARBAXXX does not stand for a missing value or an error: it indicates the main office of HSBC Bank Argentina SA. Certain payment forms ask for 11 characters, and then you simply add XXX behind BACOARBA.

Leave out spaces when you type BACOARBA or BACOARBAXXX. A single letter may route the money to another bank.

Choosing between the 35 SWIFT codes of HSBC Bank Argentina SA

HSBC Bank Argentina SA has 35 different SWIFT/BIC codes across 20 locations. Only one is the head office code; the others belong to branches or departments.

Unless the recipient tells you otherwise, go with BACOARBAXXX. Branch codes are only needed if the recipient’s bank specifically mentions it.

Not sure which code to use? Ask the recipient, or look at a recent statement from HSBC Bank Argentina SA. Branch codes can change over time.

Transfer times and tracking a payment to HSBC Bank Argentina SA

There is no single answer: some land within a day, others take several business days. Bank holidays in either country add extra days, since banks do not process on those days. Extra checks by one of the banks may also cause some delay, regardless of the details.

Many banks use SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide a status online so you can see how far the payment has got.

The bank that sent the money can request a trace; the receiving side usually has nothing to trace yet. On the receiving end, you can look at your statements for a partial amount.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message claiming that a company has a new bank account and asking you to pay there from now on. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Always verify changed bank details by phone on a number you know, not one from the message. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. Do not act before the money has really arrived – ask HSBC Bank Argentina SA if something looks wrong.

Verifying the SWIFT code of HSBC Bank Argentina SA

The most reliable place for the right code remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from BACOARBA or BACOARBAXXX, do not guess: check with the recipient or with HSBC Bank Argentina SA directly.

With a wrong code, the payment might get stuck, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: a mistake there can be harder to correct than a wrong code.

An automatic check in your banking app merely confirms that the IBAN is valid. If your bank offers it, a payee name check on the recipient adds extra certainty. When you pay someone new, many people start with a small amount first before sending the rest.

What a transfer from HSBC Bank Argentina SA abroad really costs

The price of an international transfer has more than one component – not just the fee on your screen. There is the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: many banks convert at a rate that includes a margin. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay compares transfer providers side by side so you can see what actually arrives for the same amount sent. Choosing a specialist does not mean closing your account at HSBC Bank Argentina SA.

Where our SWIFT data comes from

We gather bank codes from public sources and check our list from time to time. Even so, banks merge, rename themselves or change codes. Figures such as the number of codes come from our own dataset and may differ from what HSBC Bank Argentina SA publishes.

Before any payment that matters, always check the code with HSBC Bank Argentina SA or the recipient. GoldexPay is not affiliated with HSBC Bank Argentina SA. Should you notice something that is out of date, we appreciate a message.