Banco Santa Cruz S.A. SWIFT/BIC code

What BSCHBO21 means for a payment to Banco Santa Cruz S.A.

If an invoice shows BSCHBO21 or BSCHBO21XXX, it is the same identifier for Banco Santa Cruz S.A. in Bolivia. The code does one job: it ensures that a cross-border transfer ends up at the right bank. In practice you mostly see it on international invoices, in your banking app and on the account details that Banco Santa Cruz S.A. provides.

Below you will find the practical side: receiving money at Banco Santa Cruz S.A., sending money abroad and how to verify a SWIFT code before you hit send. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Receiving money from abroad at Banco Santa Cruz S.A.

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. Share your name as the bank knows it, the IBAN or account number, the BIC BSCHBO21XXX and your address, which some banks require.

Their bank may also ask for the bank address of Banco Santa Cruz S.A., in which case the Santa Cruz de la Sierra head office is the usual answer. Check every detail before you share them.

Expect that the amount credited is below what the sender paid. Charges on incoming payments differ from bank to bank; check the price list of Banco Santa Cruz S.A.. Make clear with the sender who pays which costs before the money is sent.

What the XXX in BSCHBO21XXX means

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. Together, these eight characters form BSCHBO21.

The full version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so BSCHBO21XXX and BSCHBO21 are interchangeable.

Do not add spaces when you type BSCHBO21 or BSCHBO21XXX. Watch for the letter O and the digit 0 or the letter I and the digit 1.

Transfer times and tracking a payment to Banco Santa Cruz S.A.

There is no single answer for every transfer: many land within a day. Weekends and public holidays in either country add a day or more to the journey. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

If a transfer seems delayed, contact the sending bank for the tracking status and the transaction reference. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

Only the sending bank can start an official trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt including the reference.

About this information

We gather bank codes using publicly available data and update them from time to time. Even so, banks merge or retire codes, so information can be out of date. The number of codes on this page reflect what is in our directory, not official figures from Banco Santa Cruz S.A..

Treat our directory here as a helpful check. GoldexPay is a comparison service and not part of Banco Santa Cruz S.A.. Spotted an error? Tell us through the contact page.

Banco Santa Cruz S.A.: head office code versus branch codes

Our directory lists 5 SWIFT/BIC codes for Banco Santa Cruz S.A.. Next to the head office code BSCHBO21XXX, you will find codes for regional offices and specialised units.

For most incoming transfers, the head office code BSCHBO21XXX is what you need. Just use a branch code when your contact gives you that exact code, for example on a letter or invoice.

If you are not sure, check with the recipient which code their bank gave them. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Verifying the SWIFT code of Banco Santa Cruz S.A.

Have the recipient send you the bank details directly from their online banking. When the code you were given does not match BSCHBO21 or BSCHBO21XXX, do not guess: check with the recipient or with Banco Santa Cruz S.A. directly.

With a wrong code, the transfer may get stuck, bounce back or cost extra – sometimes after weeks of searching. Do not forget the account number: a mistake there is harder to correct than a wrong BIC.

An automatic check in your banking app only tells you that the IBAN exists, not that it is the right account. If your bank offers it, a payee name check on the recipient gives extra certainty. A small test payment can be a sensible step for large sums.

Protect yourself against fake payment requests

Criminals often use payment requests containing new bank details. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not trust a phone number in the same message that announces the new account. Pressure or secrecy are warning signs – a real supplier can wait a day. Already paid? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Fraud can also work the other way. Someone sends more than agreed and wants you to refund the difference. A screenshot of a transfer is no proof – check your own account.

Paying someone abroad from your Banco Santa Cruz S.A. account

A bank transfer abroad costs more than the listed fee. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup.

The markup on the rate is often the biggest item because it is hidden in the rate. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive with different providers. You can still use your account at Banco Santa Cruz S.A.; only the conversion and sending happen elsewhere.