Cph Banque SWIFT/BIC code

SWIFT/BIC code of Cph Banque

CPHBBE75 and CPHBBE75XXX are two spellings of the same SWIFT/BIC code, and both lead to Cph Banque in Tournai. A SWIFT code shows the sending bank exactly which bank should receive the money, much like a postcode for banks. In practice you usually see it on invoices from abroad, in your banking app and in the bank details of Cph Banque customers.

This page is meant to help people who receives money at an account at Cph Banque without mistakes. The BIC identifies a bank or branch, never a specific account; the IBAN or account number does that.

What to give a sender who pays you at Cph Banque

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC CPHBBE75XXX (or CPHBBE75) and usually your address.

The sender’s bank might also ask for the bank address of Cph Banque; the head office in Tournai is usually fine. A mistake in the IBAN can be more trouble than it looks; copy them from your banking app rather than typing.

What lands in your account is often lower than what was sent. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees.

Is CPHBBE75 still correct? How to check

The most reliable place for the right code is a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match CPHBBE75 or CPHBBE75XXX, do not guess: check with the recipient or with Cph Banque directly.

With a wrong code, the transfer may get stuck, bounce back or cost extra – sometimes after weeks of searching. Do not forget the IBAN: an error there is more difficult to undo than a wrong code.

Most online banking apps check the structure of IBANs and some suggest the matching BIC. More and more banks check the name against the account; take any warning seriously. Sending a small amount first can be worth it for a large first payment, even if it costs an extra fee.

Protect yourself against fake payment requests

Scammers regularly send fake invoices containing changed bank details. The fact that CPHBBE75 exists is no guarantee that the account is genuine.

Always verify changed bank details by phone. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. A payment confirmation from the sender is no proof – check your own account.

Which of the 2 codes of Cph Banque do you need?

Cph Banque has 2 different SWIFT/BIC codes. One of them is the head office code, CPHBBE75XXX; the others identify branches or departments.

For the vast majority of incoming transfers, the head office code CPHBBE75XXX is the right choice. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The best way is to take the code directly from the account holder’s statement. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

Euro (EUR) and conversion costs

The currency of Belgium is the Euro (EUR). Money sent in a different currency is converted into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, since every bank sets its own rate. Transferring the money directly in EUR often avoids an extra conversion by Cph Banque – as long as your own rate is good.

Exchange rates move all the time. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

8 or 11 characters: CPHBBE75 versus CPHBBE75XXX

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. Combined, these eight characters make up CPHBBE75, the code most people search for.

Many payment forms accept either length. If a form requires eleven characters, enter CPHBBE75XXX.

Leave out spaces, dots when you type CPHBBE75. Watch for O versus 0 and I versus 1, a common source of typos.

Euro transfers to Cph Banque: is a BIC needed?

Inside SEPA, euro payments to an account in Belgium follow common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

The BIC still come into play for payments in other currencies, and for transfers from outside SEPA. A few forms still ask for the BIC; in that case, fill in CPHBBE75 or CPHBBE75XXX.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. As long as the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

How long does an international transfer to Cph Banque take?

A SWIFT payment usually needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add a day or more. Occasionally a bank asks about the purpose of a payment.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR. Specialist transfer services usually show tracking online showing where the money is.

The bank that sent the money is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt including the reference.

What a transfer from Cph Banque abroad really costs

The price of an international transfer is made up of several parts – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup when the money is converted.

That exchange rate margin is often the biggest cost because it is hidden in the rate. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute to compare the total cost on GoldexPay. You can always use your account at Cph Banque, while a cheaper service handles the conversion.

A note on our data

The codes here come from publicly available data that we update regularly. Still, banks merge, rename themselves or retire codes. Counts and locations come from our own dataset and are not confirmed by Cph Banque.

Use this page as a starting point, rather than as the final word: the recipient’s bank details come first. We are a comparison site and not part of Cph Banque. If you notice something that is out of date, we welcome a short note via the contact page.