Banco Votorantim S.A. SWIFT/BIC code

BAVOBRSP – the SWIFT/BIC code of Banco Votorantim S.A.

The short code BAVOBRSP and the full code BAVOBRSPXXX identify the same bank: Banco Votorantim S.A. in Sao Paulo, Brazil. A SWIFT code shows the sending bank exactly which bank is meant to get the money, a bit like a postal address for banks. You will need it mainly when dealing with payments that cross a border.

This page is meant to help anyone who receives money at an account at Banco Votorantim S.A.. The SWIFT code on its own does not identify an individual account holder; that is what the IBAN or account number .

Transfer times and tracking a payment to Banco Votorantim S.A.

There is no single answer for every transfer: many arrive the same day or the next. Bank holidays in either country can add extra days, since banks do not process on those days. Compliance checks by one of the banks can also cause some delay, regardless of the details.

Many banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Save your transfer receipt; it contains the details a bank needs to start a trace.

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 a copy of the payment confirmation including the reference.

Sending BRL to Banco Votorantim S.A.

The local currency of Brazil is the Brazilian Real (BRL). A payment in a foreign currency is converted into BRL before it reaches the account. Every conversion costs the amount – usually through the rate rather than a fee.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Check how much BRL the recipient gets with different providers; the difference between options can be larger than you expect.

The rate for BRL changes throughout the day. If you pay regularly, a slightly better rate add up over time.

Which of the 2 codes of Banco Votorantim S.A. do you need?

Having 2 codes, Banco Votorantim S.A. belongs to the banks that use individual codes for branches and departments. The main code is BAVOBRSPXXX.

For the vast majority of incoming transfers, the head office code BAVOBRSPXXX is the right choice. Branch codes are only needed when the account holder explicitly mentions it.

Not sure which code applies? Check with the recipient or the bank itself. Codes for branches are more likely to change than BAVOBRSPXXX when a bank merges or closes offices.

Incoming international payments to Banco Votorantim S.A.

When you are waiting for a payment from another country, give the sender everything they need in one go. In practice that means: your name as registered with Banco Votorantim S.A., your IBAN or account number, the SWIFT/BIC code BAVOBRSPXXX and sometimes your postal address.

You can add Banco Votorantim S.A. and Sao Paulo as well, because some payment forms have separate fields for them. A mistake in your account number can be harder to fix than you might think.

The amount you receive can be less than the amount sent. Charges on incoming payments vary from bank to bank – the price list of Banco Votorantim S.A. tells you what applies. Agree with the sender who pays which costs before the money is sent.

Protect yourself against fake payment requests

A common scam goes like this: you receive a message claiming that a company has new bank details and that the next payment should go there. That BAVOBRSP is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Verify changed bank details through a different channel, never via the email that asked for the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank without delay and have them start a recall; also report it to the police.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference. Do not act before the money has really arrived.

How to check BAVOBRSP before you pay

Ask the recipient to send you their bank details straight from their banking app. Check it with BAVOBRSP on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees. Do not forget the account number: a mistake there is more difficult to correct than a wrong code.

Most online banking apps validate the structure of an IBAN, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending gives extra certainty. For a first payment, some people send a small test amount and wait for confirmation.

What the XXX in BAVOBRSPXXX means

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. The result is BAVOBRSP, the short form of the code.

XXX at the end of BAVOBRSPXXX is not a placeholder or a mistake: it stands for the head office of Banco Votorantim S.A.. Some banking apps insist on 11 characters, and then you can enter XXX behind BAVOBRSP.

In practice the code is written in capitals. A wrong character can send a payment to a different institution, so copy it carefully.

Paying someone abroad from your Banco Votorantim S.A. account

The price of a payment abroad is made up of more than one component. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank often applies a rate below the actual market rate.

Banks rarely show their exchange rate markup as a cost. An easy check: put the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares these services next to each other so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not mean closing your account at Banco Votorantim S.A.: you simply pay the service from your account.

Where our SWIFT data comes from

The codes on this page are taken from publicly available data which we refresh regularly. Institutions merge, change names and change codes – a directory can be a step behind. Counts and locations come from our directory and may differ from what Banco Votorantim S.A. publishes.

Treat this page as a reference, rather than as the final word. We are a comparison service and not part of Banco Votorantim S.A.. Should you notice a mistake, we welcome a short note.