Banque des Etats D'afrique Centrale SWIFT/BIC code

What BEACCMCP means for a payment to Banque des Etats D'afrique Centrale

BEACCMCP and BEACCMCPXXX are two ways of writing the same bank identifier, and both point to Banque des Etats D'afrique Centrale in Yaounde. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money, a bit like a postal address for banks. In daily life you mostly see the code on invoices from abroad, in your banking app and on the account details that Banque des Etats D'afrique Centrale provides.

On this page you will find how the code is put together, when you need it and which other details you need for a transfer to or from Banque des Etats D'afrique Centrale. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

Scams that use SWIFT codes

Fraudsters regularly use payment requests with new bank details sent from what looks like a familiar address. A valid SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check new payment details via a separate channel, such as a phone number you already know. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If a payment was sent to the wrong account, call your bank right away.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference abroad. Wait until the money has really arrived.

Before you send: check the Banque des Etats D'afrique Centrale code

Ask the recipient to send you their account details directly from their online banking. If the code you have differs from BEACCMCP or BEACCMCPXXX, do not guess – contact the recipient or Banque des Etats D'afrique Centrale.

An incorrect BIC may lead to a delay, a payment being sent back or extra fees along the way. An error in the IBAN or account number can be a bigger problem.

Most online banking apps check the format of an IBAN – that confirms the format, not the owner. Some banks now compare the name against the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for a large first payment, even if it costs an extra fee.

Where our SWIFT data comes from

This directory is based on publicly available sources. Banks reorganise, change names and retire codes – a directory can be a step behind. Counts and locations are from our directory.

For any payment of any size, always confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is a comparison service and not part of Banque des Etats D'afrique Centrale. Should you notice something that is out of date, we welcome a short note.

8 or 11 characters: BEACCMCP versus BEACCMCPXXX

A BIC is built from a few fixed parts: characters one to four identify the bank, the next two show the country and the two after that mark the location. That gives you BEACCMCP for Banque des Etats D'afrique Centrale.

Most payment forms work with either length. If a form requires eleven characters, enter BEACCMCPXXX, otherwise BEACCMCP is fine.

Leave out spaces, dots when you type BEACCMCP or BEACCMCPXXX. Pasting the code beats retyping it.

International transfers from Banque des Etats D'afrique Centrale: the real cost

The price of an international transfer has more than one component – not just the fee on your screen. On top of a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the largest item, and it is easy to miss. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

Specialised transfer providers frequently use a rate near the mid-market rate. Before your next transfer, it is worth comparing the total cost via GoldexPay. You can still keep your account at Banque des Etats D'afrique Centrale.

Tracking a transfer to or from Banque des Etats D'afrique Centrale

How fast a payment arrives at Banque des Etats D'afrique Centrale is determined by several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

If a transfer is delayed, ask your bank for the status or the UETR so they can trace it along the chain. Specialist transfer services often provide tracking online so you can see how far the money is.

If the money does not arrive within the expected time, the person who paid should contact their own bank. Request from the sender the payment receipt with the date and reference.

Head office or branch code at Banque des Etats D'afrique Centrale?

Having 10 codes in 6 locations, Banque des Etats D'afrique Centrale is one of the banks that register individual codes for branches. The head office code is BEACCMCPXXX.

For the vast majority of payments to a private or business account, the head office code BEACCMCPXXX is what you need. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The best way is to take the code directly from the recipient’s statement. Branch codes are more likely to change than BEACCMCPXXX when a bank merges or closes offices.

Incoming international payments to Banque des Etats D'afrique Centrale

If you expect money from abroad, give the sender all details at once. The basics are: the account holder’s name, IBAN or account number, BEACCMCPXXX or BEACCMCP and often your postal address.

It helps to include the bank name and its city too, because some payment forms have separate fields for them. Double-check the details before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always land for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. For business payments, you can state who bears the costs to avoid a shortfall.