Banque Nationale du Canada SWIFT/BIC code

SWIFT/BIC code of Banque Nationale du Canada

The short code BNDCCAMM and the full code BNDCCAMMXXX refer to one and the same institution: Banque Nationale du Canada, with its head office in Montreal. Banks worldwide use these codes to direct international transfers to the right institution. In practice you usually come across the code on international invoices, in your banking app and in the bank details that Banque Nationale du Canada provides.

On this page you will find what the code is put together, when it matters and what else you need for a transfer to or from Banque Nationale du Canada. A SWIFT code names a bank or branch, not a single account, which is why you always need the account number too.

Which of the 6 codes of Banque Nationale du Canada do you need?

With 6 codes in 1 locations, Banque Nationale du Canada is one of the banks that register separate codes for branches. The main code is BNDCCAMMXXX.

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

The safest route is to copy the code straight from the recipient’s bank details. Branch codes are more prone to be retired than BNDCCAMMXXX when a bank merges or closes offices.

Tracking a transfer to or from Banque Nationale du Canada

How fast a payment reaches Banque Nationale du Canada depends on several factors: the currency, the number of banks in between, cut-off times and time zones. Transfers sent after the cut-off time or on a weekend or public holiday usually go out a business day later. Compliance checks by one of the banks may also add a delay.

When a payment takes longer than expected, ask the sending bank for the tracking status or the UETR; with that reference banks can see where the payment is. Specialist transfer services usually provide tracking in their app showing how far the payment has got.

Only the sending bank is able to 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 – it helps your own bank look for the money.

About this information

We gather SWIFT/BIC codes using public sources and check them from time to time. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset and may differ from what Banque Nationale du Canada publishes.

For a payment that matters, always check the BIC with Banque Nationale du Canada or the recipient. GoldexPay has no connection to Banque Nationale du Canada. Found an error? Tell us via our contact form so we can correct it.

Canadian Dollar (CAD) and conversion costs

Canada pays in the Canadian Dollar, code CAD. Money sent in a different currency is exchanged into CAD – and the bank that does it picks the rate. Each conversion costs something.

Which bank converts the payment makes a difference, because each party uses its own rate. Compare how much CAD the recipient gets via several providers; the difference between options can be larger than you expect.

Rates for CAD change during the day – some services let you fix a rate in advance. If you pay regularly, small differences in the rate make a real difference over time.

BNDCCAMM or BNDCCAMMXXX – which one to use?

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and the two after that mark the location. The result is BNDCCAMM.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office.

As a rule the code is typed in capitals. A single character may route a payment to a different institution.

What a transfer from Banque Nationale du Canada abroad really costs

An international bank payment can cost more than the fee suggests. You pay the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. On GoldexPay we compare what recipients receive across providers, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Banque Nationale du Canada: you simply pay the service from your account.

Protect yourself against fake payment requests

Be wary when someone suddenly asks you to pay into another account abroad. The fact that BNDCCAMM exists is no guarantee that a request mentioning it is legitimate.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. Acted too fast? Call your bank straight away and ask them to start a recall.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. Do not act before the money has really arrived – ask Banque Nationale du Canada if something looks wrong.

Verifying the SWIFT code of Banque Nationale du Canada

Have the recipient send you their bank details straight from their banking app. Compare it against BNDCCAMM on this page and ask if anything does not match.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees. Do not forget the account number: a mistake there can be more difficult to undo than a wrong BIC.

Most online banking apps check the structure of IBANs – that confirms the format, not the owner. More and more banks check the name against the account before you confirm; take any warning seriously. A small test payment is a sensible step for large sums, even if it costs an extra fee.

Incoming international payments to Banque Nationale du Canada

To receive an international payment into your account at Banque Nationale du Canada, the sender needs more than the SWIFT code. Give them your name as the bank knows it, your account number or IBAN, the BIC BNDCCAMMXXX and your address, which some banks require.

You can add Banque Nationale du Canada and its city too. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be less than the amount sent. Correspondent banks can take a fee, Banque Nationale du Canada may charge for incoming payments, and if the money is converted, a markup on the rate applies. For business payments, you can agree how the fees are split, so that nobody is left short.