Bank of Africa - Benin SWIFT/BIC code

AFRIBJBJ – the SWIFT/BIC code of Bank of Africa - Benin

AFRIBJBJ and AFRIBJBJXXX are two ways of writing the same bank identifier, and both lead to Bank of Africa - Benin in Cotonou. The code does one job: it makes sure that money from abroad ends up at the right bank. You will need it mostly for payments that cross a border.

Further down we go through the practical questions: money coming in from abroad, paying someone in another country and how to check the code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

A note on our data

We collect SWIFT/BIC codes using publicly available data and check them from time to time. Still, banks merge or change codes and our data may lag behind. Figures such as the number of codes are from our directory and are not confirmed by Bank of Africa - Benin.

Treat our data as a reference, not as the last word. GoldexPay is not affiliated with Bank of Africa - Benin, we only compare transfer services. If you notice something that is out of date, we appreciate a message.

What a transfer from Bank of Africa - Benin abroad really costs

A bank transfer abroad costs rather more than the fee suggests. Besides the transfer fee, banks in between may deduct a fee, and if currencies are converted, the bank often uses a rate below the actual market rate.

That exchange rate margin is often the biggest cost even though it is not listed as a fee. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists these services next to each other so you can see what actually arrives for the same amount sent. Choosing a specialist does not mean leaving Bank of Africa - Benin.

Before you send: check the Bank of Africa - Benin code

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it against AFRIBJBJ here.

If the code is wrong, the transfer might get stuck, be returned or cost extra. A mistake in the account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

A validity check in your banking app only confirms that the code is valid – not that it belongs to the person you mean to pay. Some banks now compare the payee name with the account; take any warning seriously. For a first payment, some people start with a small amount first.

Changed bank details? Be careful

Fraudsters regularly send fake invoices with changed bank details, sometimes in an email that looks completely genuine. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Check new payment details through a different channel, never via the email that asked for the change. Watch out for urgent requests, unusual wording or an email address that differs by one letter. When a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also work the other way: someone claims to have sent too much and asks you to refund the difference via a different route. Wait until the money has really arrived – ask Bank of Africa - Benin if something looks wrong.

Getting paid from abroad into a Bank of Africa - Benin account

A sender in another country will ask for a few details about your account. Share the account holder’s name, your account number or IBAN, the BIC AFRIBJBJXXX and your address, which some banks require.

Certain sending banks also ask for the name and address of Bank of Africa - Benin, so keep it at hand. Double-check the details before you share them, because the sender’s bank usually copies them as is.

What lands in your account can be less than what was sent. Charges on incoming payments differ per bank; check the price list of Bank of Africa - Benin. Agree with the sender who pays which costs, especially for larger amounts.

Transfer times and tracking a payment to Bank of Africa - Benin

There is no fixed delivery time for international payments: some land within a day, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation.

If a payment has not arrived within the expected time, the person who paid needs to start with their own bank, not the receiving bank. On the receiving end, you can look at your account to see a partial amount because fees can reduce the amount.

Choosing between the 2 SWIFT codes of Bank of Africa - Benin

We have 2 SWIFT/BIC codes for Bank of Africa - Benin in 1 cities. Besides the head office code AFRIBJBJXXX, there are codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code AFRIBJBJXXX is what you need. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Why Bank of Africa - Benin has an 8- and an 11-character code

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. The result is AFRIBJBJ.

Many payment forms accept both lengths. If yours asks for eleven characters, enter AFRIBJBJXXX, otherwise AFRIBJBJ is fine.

Leave out spaces when you type AFRIBJBJ. Watch for O versus 0 and the letter I and the digit 1.