Atlantic Bank Limited SWIFT/BIC code

SWIFT/BIC code of Atlantic Bank Limited

If an invoice shows LIBABZBZ or LIBABZBZXXX, it is the identical identifier for Atlantic Bank Limited in Belize. A BIC does one job: it makes sure that money from abroad reaches the right bank. You will need it mainly when dealing with transfers between countries.

Below we go through the practical side: receiving money at Atlantic Bank Limited, sending money abroad and how to check the code before you confirm a payment. The BIC names a bank or branch, never a single account; the IBAN or account number does that.

Protect yourself against fake payment requests

A common scam goes like this: you receive a request saying that a contact now has a new bank account and that the next payment should go there. A real SWIFT code tells you nothing about who owns the account.

Check new payment details through a different channel, never via the email that asked for the change. Pressure and requests to keep it quiet tend to be warning signs. When a payment has already gone to the wrong account, call your bank right away.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Wait until the money has really arrived – ask Atlantic Bank Limited if something looks wrong.

Head office or branch code at Atlantic Bank Limited?

Our directory lists 2 SWIFT/BIC codes for Atlantic Bank Limited in 2 places. Next to the head office code LIBABZBZXXX, you will find codes for individual branches and departments.

In most cases there is no need to look up a branch: payments addressed to LIBABZBZXXX reach Atlantic Bank Limited correctly. When you receive a specific code, use it as it is instead of swapping it for the head office code.

When in doubt, ask the person you are paying which code their bank gave them. Codes can change over time, so a code from an old document is not always valid.

How up to date is this code?

The codes on this page are taken from public sources. Even so, banks merge, rename themselves or change codes. Counts and locations come from our own dataset and are not confirmed by Atlantic Bank Limited.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. We are an independent comparison site for money transfers and not part of Atlantic Bank Limited. Spotted outdated information? Tell us through the contact page so we can correct it.

Transfer times and tracking a payment to Atlantic Bank Limited

An international transfer usually needs one to a few business days. Weekends and public holidays in either country add extra days, since banks do not process on those days. Occasionally a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, contact the sending bank about the status; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms.

If a payment has not arrived within the expected time, the sender needs to contact their own bank. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Receiving money from abroad at Atlantic Bank Limited

When you are waiting for money from abroad, give the sender all details at once. Give them the account holder’s name, the IBAN or account number, SWIFT code LIBABZBZXXX and your address.

Some banks want the bank’s address in Belize City; it does no harm to include it. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, Atlantic Bank Limited may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees, especially for larger amounts.

Before you send: check the Atlantic Bank Limited code

Ask the recipient to copy their bank details directly from their online banking. Compare that code with LIBABZBZ on this page; if they differ, ask before you pay.

With a wrong code, the payment might be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there is more difficult to correct than a wrong BIC.

A validity check in your banking app only tells you that the code exists. Some banks now compare the payee name against the account – do not ignore a mismatch warning. For a first payment, some people start with a small test amount.

Paying someone abroad from your Atlantic Bank Limited account

The price of an international transfer is made up of more than one component. There is the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts using an exchange rate that includes a margin. Check their rate against the mid-market rate.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Atlantic Bank Limited – you pay the provider from your own account.

What the XXX in LIBABZBZXXX means

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. In this case, that core is LIBABZBZ.

XXX at the end of LIBABZBZXXX does not stand for a placeholder or a mistake: it indicates the head office of Atlantic Bank Limited. Some forms insist on 11 characters, in which case you simply add XXX after LIBABZBZ.

Do not add spaces or dashes when you type LIBABZBZ; the code is always written in one block. A wrong character can send a payment to a different institution, so copy it carefully.