Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) SWIFT/BIC code

BCBBBRPR – the SWIFT/BIC code of Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo)

Whether a recipient gives you BCBBBRPR or BCBBBRPRXXX, it is the same identifier for Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) in Brazil. A SWIFT code tells the sending bank exactly which bank should receive the money, much like a postcode for banks. In daily life you mostly come across it on international invoices, in your banking app and in the bank details of Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) customers.

On this page you will find what the code is put together, when you need it and what else a transfer to or from Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) requires. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

What to give a sender who pays you at Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo)

When you expect a payment from another country, give the sender everything they need in one go. Give them the account holder’s name, the IBAN or account number, SWIFT code BCBBBRPRXXX and your address, which some banks require.

Certain sending banks also ask for the address of Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) in Curitiba. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always land for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

What a transfer from Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) abroad really costs

If you transfer money to another country via Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo), the visible fee is only part of the cost. Besides the transfer fee, banks in between can deduct a fee, and if the money changes currency, the bank often applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest cost even though it is not listed as a fee. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay you can compare the amount that arrives with different providers, so you can pick the cheapest route. You can still keep your account at Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo); only the conversion and sending happen elsewhere.

How to check BCBBBRPR before you pay

The best place to find the right code is paperwork issued by the bank. When the code you were given differs from BCBBBRPR or BCBBBRPRXXX, do not guess: check with the recipient or with Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) directly.

Mistakes in the SWIFT code tend to be costly more than disastrous – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious, because the money may be credited to someone else, so check that just as carefully.

A validity check by your bank only tells you that the code is valid. Some banks now compare the name with the account before you confirm. Sending a small amount first can be worth it for large sums despite the extra fee.

What the XXX in BCBBBRPRXXX means

The layout of every SWIFT code never changes: four characters for the institution, two for the country and two for the location, plus an optional branch code. In this case, that core is BCBBBRPR.

Many payment forms accept both lengths. If yours requires eleven characters, use BCBBBRPRXXX.

As a rule the code is written in capitals and without spaces. A wrong character can send the money to a different institution, so check it twice.

Tracking a transfer to or from Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo)

There is no fixed delivery time: many land the same day or the next, others take several business days. Bank holidays in either country can add a day or more. Occasionally a bank wants to know what the payment is for before releasing it.

If a transfer is late, ask your bank about the tracking status or the UETR. Keep your transfer receipt – you will need it for any trace request.

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. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Choosing between the 23 SWIFT codes of Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo)

Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) uses 23 different SWIFT/BIC codes across 16 cities. One of them is the head office code, BCBBBRPRXXX; the rest identify branches or departments.

If nobody asks you for a branch code, go with BCBBBRPRXXX. When you receive a branch code, use it as it is rather than replacing it with the head office code.

The safest route is to copy the code straight from the account holder’s bank details. Codes for branches are more prone to be retired than the head office code.

How up to date is this code?

We collect bank codes using public sources and check them regularly. Still, banks merge or retire codes. Figures such as the number of codes come from our directory.

Treat the information on this page as a handy check, and let the details from the recipient or Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) have the final say. GoldexPay has no connection to Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo), we only compare transfer services. Should you notice a mistake, we welcome a short note via the contact page.

The Brazilian Real and what conversion costs you

Brazil pays in the Brazilian Real, with the currency code BRL. Money sent in a different currency will be exchanged into BRL on its way to Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) – and the bank that does it picks the rate. Each conversion eats into the amount.

Which bank converts the payment makes a difference: every bank has its own margin. Often you pay less to send BRL directly through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Exchange rates move all the time. On larger amounts, a small difference in the rate adds up quickly.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a request claiming that a contact now has a new bank account. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not rely on contact details in the same message that contains the change. Watch out for time pressure, odd spelling or an email address that differs by one letter. When a payment was sent to the wrong account, call your bank right away.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference abroad. Do not act before the money is actually in your account – ask Banco Bradesco SA (Formerly Kirton Bank S.A. - Banco Multiplo) if something looks wrong.