Societe Generale Expressbank SWIFT/BIC code

What TTBBBG22 means for a payment to Societe Generale Expressbank

TTBBBG22 and TTBBBG22XXX are two spellings of the same SWIFT/BIC code, and both point to Societe Generale Expressbank in Varna. Every bank on the SWIFT network uses these codes to route payments between countries to the correct institution. You will need it mainly for payments that cross a border or a currency.

We wrote this page to help people who receives money at an account at Societe Generale Expressbank and wants to get the details right. A SWIFT code identifies an institution, not a single account; the IBAN or account number does that.

How long does an international transfer to Societe Generale Expressbank take?

A SWIFT payment usually needs one to a few business days. Transfers sent after the cut-off time or on a weekend or public holiday often start a business day later. Extra checks by one of the banks can also cause a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually show tracking online so you can see where the money has got.

If the money does not arrive after a few business days, the person who paid needs to contact their own bank, not the receiving bank. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Choosing between the 2 SWIFT codes of Societe Generale Expressbank

Our database contains 2 SWIFT/BIC codes for Societe Generale Expressbank in 1 cities. Next to the head office code TTBBBG22XXX, there are codes for regional offices and specialised units.

Usually there is no need to look up a branch: transfers sent to TTBBBG22XXX reach Societe Generale Expressbank without problems. Just use a branch code when the recipient gives you that exact code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Euro transfers to Societe Generale Expressbank: is a BIC needed?

Because Bulgaria is part of the SEPA zone, a euro transfer to Societe Generale Expressbank from another SEPA country usually requires just the IBAN. Many banks no longer ask for the BIC in that case or fill it in for you.

You will still need TTBBBG22XXX for payments in other currencies or money from outside the SEPA area. A few forms still ask for the BIC out of habit; if so, enter TTBBBG22.

Instant payments in euros have become increasingly available across SEPA; check with Societe Generale Expressbank whether it applies to your account. Charges on SEPA payments tend to be low.

What to give a sender who pays you at Societe Generale Expressbank

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. The basics are: your name, IBAN or account number, TTBBBG22XXX and, for some countries, your postal address.

You can add the bank name and its city as well, since some forms ask for it. A typo in your account number can be harder to fix than it looks, so copy the details from your online banking.

Money from abroad does not always arrive in full. Charges on incoming payments vary from bank to bank – the price list of Societe Generale Expressbank tells you what applies. For business payments, you can state how the fees are split.

Paying someone abroad from your Societe Generale Expressbank account

When you transfer money to another country through Societe Generale Expressbank, the fee you see is rarely all of the cost. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup if the currency changes.

Banks rarely show their exchange rate markup as a cost, but you pay it all the same. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For a lot of routes, a transfer service turns out to be less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. You can still keep your account at Societe Generale Expressbank.

What the XXX in TTBBBG22XXX means

A SWIFT code is made up of a few fixed parts: characters one to four identify the bank, characters five and six give the country and characters seven and eight mark the location. For Societe Generale Expressbank, that core is TTBBBG22.

Many banks and apps work with either length. If a form requires eleven characters, enter TTBBBG22XXX.

Type the code in one piece, in upper case and without separators. Watch for the letter O and the digit 0 or the letter I and the digit 1.

Before you send: check the Societe Generale Expressbank code

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check it with TTBBBG22 on this page; if they differ, ask before you pay.

Mistakes in the BIC tend to be annoying more than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: an error there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the payee name with the account. A small test payment is a sensible step for large sums.

Watch out for payment fraud

A common scam works like this: you receive a request claiming that a company now has new bank details. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Before paying, confirm changed bank details by phone, using a number you already had. Urgency or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment; also report it to the police.

Scams can also target the receiver. Someone claims to have sent more than agreed and asks you to return the difference. Wait until the money is actually in your account and check with Societe Generale Expressbank if anything seems off.

A note on our data

The directory on GoldexPay draws on publicly available sources. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes come from our directory and are not confirmed by Societe Generale Expressbank.

See the information on this page as a handy check and rely on the recipient or Societe Generale Expressbank for the final confirmation. We are an independent comparison service and not part of Societe Generale Expressbank. Spotted outdated information? Let us know via our contact form.