Richardson Greenshields of Canada SWIFT/BIC code

Richardson Greenshields of Canada SWIFT code: RIGRCAM1

The 8-character code RIGRCAM1 and the 11-character code RIGRCAM1XXX refer to the same bank: Richardson Greenshields of Canada. Every bank on the SWIFT network uses BIC codes to route international transfers to the right institution. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details that Richardson Greenshields of Canada provides.

Further down we go through the practical side: money coming in from abroad, sending money abroad and how to check the code before you confirm a payment. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number takes care of that.

Changed bank details? Be careful

Stay wary if a contact unexpectedly asks you to send money to another account. The fact that RIGRCAM1 exists does not mean that the account is legitimate.

Always confirm changed bank details by phone, using a number you already had. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment; also report it to the police.

Fraud also target the receiver: someone claims to have sent more than agreed and asks you to refund the difference to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

About this information

The directory on GoldexPay is compiled from public sources and we update it periodically. It can happen that information here is no longer current. The number of codes on this page are based on our own data.

For any payment of any size, always confirm the code with the recipient’s bank or the recipient. GoldexPay has no connection to Richardson Greenshields of Canada, we only compare transfer services. Found an error? Tell us through the contact page so we can correct it.

International transfers from Richardson Greenshields of Canada: the real cost

When you send money to another country from Richardson Greenshields of Canada, the fee you see is rarely all of what you pay. On top of the transfer fee, banks in between may deduct a fee, and if currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

Banks do not show the margin on the rate separately. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services next to each other so you can see what actually arrives for the same amount sent. Choosing a specialist does not require leaving Richardson Greenshields of Canada – you pay the provider from your own account.

Verifying the SWIFT code of Richardson Greenshields of Canada

Have the recipient copy the bank details directly from their banking app. If the code you have does not match RIGRCAM1 or RIGRCAM1XXX, stop and ask – contact the recipient or Richardson Greenshields of Canada.

Mistakes in the BIC tend to be costly rather than disastrous – usually the money comes back, minus fees and time lost. An error in the account number is more serious, because the money may be credited to someone else.

An automatic check by your bank only tells you that the IBAN exists, not that it is the right account. More and more banks compare the name against the account before you confirm; take any warning seriously. When you pay someone new, many people send a small amount first before sending the rest.

Head office or branch code at Richardson Greenshields of Canada?

Having 2 codes in 2 locations, Richardson Greenshields of Canada is one of the banks that use separate codes for branches and departments. The main code is RIGRCAM1XXX.

In most cases there is no need to pick a branch: transfers addressed to RIGRCAM1XXX reach Richardson Greenshields of Canada without problems. When you receive a branch code, stick to it instead of replacing it for the head office code.

The safest route is to take the code directly from the account holder’s bank details. Codes for branches are more prone to change than the head office code.

Tracking a transfer to or from Richardson Greenshields of Canada

An international transfer usually takes one to a few business days. Bank holidays in either country add extra days to the journey. Compliance checks on larger or unusual payments can also cause a delay.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation – you will need it for any trace request.

A delayed transfer is traced by the sending bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

What to give a sender who pays you at Richardson Greenshields of Canada

Someone abroad who wants to pay you needs several details about your account, and missing ones are a common cause of delays. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the BIC RIGRCAM1XXX and sometimes your postal address.

It helps to include Richardson Greenshields of Canada and Montreal too, since some forms ask for it. A typo in the IBAN can be harder to fix than it looks, so copy the details from your online banking.

What lands in your account can be lower than the amount sent. Fees for incoming transfers differ per bank. Agree with the sender who covers the fees, especially for larger amounts.

What the XXX in RIGRCAM1XXX means

A BIC is made up of fixed blocks: the first four letters stand for the bank, characters five and six show the country and characters seven and eight indicate the location. Combined, these eight characters form RIGRCAM1, the code most people search for.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is written in capitals. Look out for O versus 0 or I versus 1, a common source of typos.

The Canadian Dollar and what conversion costs you

Canada pays in the Canadian Dollar (CAD). If you send another currency, the amount has to be converted at some point. There is rarely a separate line for that conversion; it is built into the rate.

Who converts the money matters. Compare how much CAD arrives via different services.

The rate for CAD fluctuates constantly and quotes are often valid only for a short time. For regular payments, a slightly better rate add up over time.