SWIFT/BIC codes in Aruba

Bank SWIFT codes for Aruba

For Aruba we have 9 SWIFT/BIC codes. Every code points to a bank or one of its branches and tells other banks where an international payment should go.

Pick a bank below to view the head office code and any branch codes. The rest of this page covers how the codes work, the cost of transfers and the checks worth doing before you send money.

Aib Bank NV and its SWIFT codes

Among the 9 institutions we list, Aib Bank NV holds the most SWIFT/BIC codes of all banks in Aruba. The head office uses ANIBAWA1XXX.

Many codes often means that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Making a payment to Aib Bank NV? Go with ANIBAWA1XXX unless a specific branch code is requested.

Bank or transfer service for Aruba?

If you send money to Aruba through your bank, the stated fee is rarely all of the cost. On top of the fee, correspondent banks may take a cut and, if currencies are converted, the bank usually uses a rate below the actual market rate.

That exchange rate margin tends to be the largest part of the cost, even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers frequently offer rates closer to the mid-market rate. On GoldexPay you can compare the amount that arrives in Aruba across services.

Verifying a SWIFT code from Aruba

The safest source for a SWIFT code is the recipient’s own bank details. When the code you were given differs from the code listed here, do not guess – contact the recipient or their bank.

This list is based on public sources and is updated regularly. Banks reorganise, close branches and change codes. For a payment of any size, confirm the code with the recipient. GoldexPay is not a bank and is not affiliated with the banks listed.

Fraudsters often send fake invoices carrying changed bank details. A real SWIFT code says nothing about whether a request is genuine – scammers use the codes of real banks.

When does money sent to Aruba arrive?

A SWIFT payment to Aruba typically needs anywhere from one to several business days. Payments made after the cut-off time or on weekends and holidays usually start the next business day.

If the money is late, the sender should contact the sending bank and ask for the status or the UETR. Keep the payment confirmation until the recipient confirms.

Paying a bank in Aruba from abroad

To pay into Aruba you almost always need the BIC, because the country is outside the SEPA area. Without it, your bank cannot send the payment at all.

In some countries, the account is identified by a domestic account number instead of an IBAN and sometimes a local routing or branch code. Check with the recipient which details their bank requires for incoming international payments; banks often publish instructions for this. On the way to Aruba, a payment may go through intermediary banks.

The structure of a Aruba SWIFT/BIC code

A SWIFT code is either 8 or 11 characters long and the parts always come in the same order. It starts with a four-letter bank code, then a two-letter country code and a two-character location code.

In every code from Aruba, characters five and six show the two-letter ISO code of Aruba, which makes these codes easy to recognise. When those two letters point to another country, the code belongs to a bank somewhere else – worth double-checking.

If the last three are XXX, it means the main office. Choose a branch code only if the recipient explicitly gives you one.

Incoming international payments in Aruba

Someone abroad who wants to pay you will ask for a few details about your account – incomplete details often cause delays. That means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and, often, your postal address.

Find your bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. Certain banks may also want the name and address of your bank.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank; check the price list of your bank. Agree with the sender who covers the fees, especially for larger amounts.