First Commercial Bank Phnom Penh Branch SWIFT/BIC code

SWIFT/BIC code of First Commercial Bank Phnom Penh Branch

The short code FCBKKHPP and the 11-character code FCBKKHPPXXX refer to the same bank: First Commercial Bank Phnom Penh Branch. A BIC has a single purpose: it ensures that an international payment reaches the right bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

On this page we explain how the code means, when it matters and which other details you need for a transfer to or from First Commercial Bank Phnom Penh Branch. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number is for.

8 or 11 characters: FCBKKHPP versus FCBKKHPPXXX

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, characters five and six show the country and the two after that indicate the location. Together, these eight characters make up FCBKKHPP.

Most banks and apps work with both lengths. If yours requires eleven characters, enter FCBKKHPPXXX; if it wants eight, use FCBKKHPP.

Type the code in one piece, in upper case and without spaces, exactly as shown here. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a request saying that a company now has a new bank account and asking you to pay there from now on. The fact that FCBKKHPP exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Verify changed payment details through a separate channel, such as a phone number you already know. Pressure and secrecy are warning signs. When money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

How long does an international transfer to First Commercial Bank Phnom Penh Branch take?

There is no single answer: some land the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country add extra days to the journey. Occasionally a bank wants to know what the payment is for before releasing it.

If the money is delayed, contact your bank about the tracking status or the UETR. Keep the payment confirmation.

The bank that sent the money can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can look at your statements to see a slightly lower amount, since fees may have been deducted.

What to give a sender who pays you at First Commercial Bank Phnom Penh Branch

If you are waiting for money from abroad, send the payer a complete set of details. Give them your name as the bank knows it, the IBAN or account number, the BIC FCBKKHPPXXX and your address.

You can include First Commercial Bank Phnom Penh Branch and its city as well, since some forms ask for it. Double-check every detail before you share them.

Expect that the amount credited is below what the sender paid. Intermediary banks may deduct a fee, First Commercial Bank Phnom Penh Branch may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. For business payments, you can agree who bears the costs to avoid a shortfall.

Paying someone abroad from your First Commercial Bank Phnom Penh Branch account

When you transfer money to another country through First Commercial Bank Phnom Penh Branch, the fee you see is only part of the cost. On top of a fixed fee, banks in between can take a cut, and if currencies are converted the bank usually applies a rate that is less favourable than the real market rate.

The real cost is often in the rate: many banks convert using an exchange rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate. On GoldexPay you can compare what recipients receive across services, so you can pick the cheapest route. Choosing a specialist does not require closing your account at First Commercial Bank Phnom Penh Branch: you simply pay the service from your account.

Before you send: check the First Commercial Bank Phnom Penh Branch code

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given does not match FCBKKHPP or FCBKKHPPXXX, stop and ask: check with the recipient or with First Commercial Bank Phnom Penh Branch directly.

If the code is wrong, the transfer might get stuck, bounce back or cost extra – sometimes after weeks of searching. Do not forget the IBAN: a mistake there is harder to correct than a wrong code.

Many banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. Some banks now compare the payee name against the account – do not ignore a mismatch warning. A small test payment is worth it for a large first payment despite the extra fee.

Choosing between the 8 SWIFT codes of First Commercial Bank Phnom Penh Branch

Having 8 codes in 2 cities, First Commercial Bank Phnom Penh Branch is one of the banks that register individual codes for parts of the organisation and departments. The main code remains FCBKKHPPXXX.

Usually there is no need to look up a branch: payments sent to FCBKKHPPXXX are routed within First Commercial Bank Phnom Penh Branch correctly. Branch codes are only needed if the recipient’s bank explicitly mentions it, which is more common for business accounts and specialised services.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to change than FCBKKHPPXXX.

A note on our data

We collect bank codes using publicly available data and check them from time to time. Still, banks merge, rename themselves or change codes. Counts and locations come from our own dataset and are not confirmed by First Commercial Bank Phnom Penh Branch.

Use our data as a starting point, rather than as the last word. GoldexPay is a comparison service and not part of First Commercial Bank Phnom Penh Branch. If you notice something that is out of date, we appreciate a short note via the contact page.