Banco Bradesco S.A. SWIFT/BIC code

BBDEBRSP – the SWIFT/BIC code of Banco Bradesco S.A.

Whether you are given BBDEBRSP or BBDEBRSPXXX, it is the identical identifier for Banco Bradesco S.A. in Brazil. A BIC has a single purpose: it ensures that money from abroad ends up at the right bank. You will need it mostly when dealing with payments that cross a border.

On this page you will find what the code is put together, when it matters and what else a transfer to or from Banco Bradesco S.A. requires. The BIC identifies an institution, not a single account; the IBAN or account number does that.

A note on our data

The details here are taken from public sources. Even so, banks merge or retire codes and our data may lag behind. Counts and locations are from our own dataset and may differ from what Banco Bradesco S.A. publishes.

Treat our directory on this page as a helpful check and rely on the recipient or Banco Bradesco S.A. for the final confirmation. GoldexPay is independent of Banco Bradesco S.A.; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page and we will look into it.

Sending BRL to Banco Bradesco S.A.

Brazil uses the Brazilian Real, code BRL. Money sent in a different currency will be converted into BRL – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Who converts the payment makes a difference. Sending the money already in BRL often prevents an extra conversion by Banco Bradesco S.A. – as long as your own rate is good.

The BRL rate fluctuates throughout the day and quotes are often valid only for a short time. For recurring payments, a slightly better rate add up over a year.

Tracking a transfer to or from Banco Bradesco S.A.

A SWIFT payment typically needs one to a few business days. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Sometimes a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact the sending bank about the tracking status or the UETR. Specialist transfer services often provide a status in their app showing where the payment has got.

A delayed transfer is traced by the sending bank on the basis of the transfer details. Ask the sender for the payment receipt – it helps your own bank look for the money.

Watch out for payment fraud

Scammers often use payment requests containing changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about who owns the account.

Before paying, confirm a change of bank details by phone, using a number you already had. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. If a payment was sent to a fraudster, contact your bank immediately.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. A screenshot of a transfer is no proof.

Choosing between the 27 SWIFT codes of Banco Bradesco S.A.

Our directory lists 27 SWIFT/BIC codes for Banco Bradesco S.A.. Next to the head office code BBDEBRSPXXX, there are codes for regional offices and specialised units.

For the vast majority of incoming transfers, the head office code BBDEBRSPXXX works fine. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Ask the recipient, or look at a recent statement from Banco Bradesco S.A.. Codes can change over time.

Sending money abroad from Banco Bradesco S.A.

A bank transfer abroad can cost more than the fee suggests. There is the transfer fee, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

That exchange rate margin is often the largest item. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently offer rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Banco Bradesco S.A. to fund the transfer, while a cheaper service handles the conversion.

Why Banco Bradesco S.A. has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. Combined, those parts make up BBDEBRSP – the version you usually see online.

Most payment forms accept either length. If a form asks for eleven characters, enter BBDEBRSPXXX.

In practice the code is typed in capitals. A wrong letter can send a payment to a different institution.

Receiving money from abroad at Banco Bradesco S.A.

For a transfer from abroad into your account at Banco Bradesco S.A., the sender needs more than the BIC. Share your name as the bank knows it, the IBAN or account number, the BIC BBDEBRSPXXX and your address.

You can include the bank name and its city as well, because some payment forms have separate fields for them. Check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary per bank. Make clear with the sender who covers the fees.

Before you send: check the Banco Bradesco S.A. code

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. Compare that code against BBDEBRSP on this page and ask if anything does not match.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees along the way. A mistake in the account number can be a bigger problem, so check that just as carefully.

Most online banking apps check the format of IBANs and some suggest the matching BIC. Some banks now compare the payee name with the account; take any warning seriously. When you pay someone new, many people start with a small test amount before sending the rest.