Corporacion Financiera de Caldas S.A. SWIFT/BIC code

What CFCACOB1 means for a payment to Corporacion Financiera de Caldas S.A.

CFCACOB1 and CFCACOB1XXX are two spellings of the same SWIFT/BIC code, and both lead to Corporacion Financiera de Caldas S.A. in Manizales. Banks worldwide use these codes to route payments between countries to the correct bank. In daily life you usually see it on international invoices, in your banking app and in the bank details that Corporacion Financiera de Caldas S.A. provides.

On this page you can read what the code is put together, when it matters and which other details you need for a transfer to or from Corporacion Financiera de Caldas S.A.. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

A note on our data

We gather SWIFT/BIC codes using publicly available data and check our list from time to time. It is possible that a code on this page is out of date, for example after a merger. The number of codes on this page reflect what is in our directory.

Treat our directory on this page as a handy check, and let the details from the recipient or Corporacion Financiera de Caldas S.A. have the final say. GoldexPay is not affiliated with Corporacion Financiera de Caldas S.A.; we are a comparison site for money transfers. Spotted an error? Let us know via our contact form.

When will the money arrive at Corporacion Financiera de Caldas S.A.?

There is no single answer for international payments: many land within a day while others need several business days. Bank holidays in the sending or receiving country can add extra days to the journey. Compliance checks by one of the banks may also add some delay.

If the money seems delayed, contact your bank about the status or the UETR; with that reference banks can see where the payment is. Money transfer services often provide a status in their app showing how far the payment is.

If a payment has not arrived within the expected time, the person who paid needs to start with the bank that sent it rather than Corporacion Financiera de Caldas S.A.. As a recipient, you can look at your statements for a slightly lower amount because fees can reduce the amount.

Head office or branch code at Corporacion Financiera de Caldas S.A.?

Corporacion Financiera de Caldas S.A. has 5 separate SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments.

For most incoming transfers, the head office code CFCACOB1XXX is the right choice. Branch codes are only needed if the account holder explicitly asks for it.

The safest approach is to copy the code directly from the recipient’s statement. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

CFCACOB1 or CFCACOB1XXX – which one to use?

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. That gives you CFCACOB1.

Most payment forms accept either length. If a form requires eleven characters, use CFCACOB1XXX, otherwise CFCACOB1 is fine.

Enter the code in one piece, in upper case and without separators. Look out for O versus 0 and the letter I and the digit 1; they are easy to mix up.

What a transfer from Corporacion Financiera de Caldas S.A. abroad really costs

When you transfer money to another country via Corporacion Financiera de Caldas S.A., the visible fee is rarely all of the cost. You pay the transfer fee, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares what recipients receive with different services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Corporacion Financiera de Caldas S.A. – you pay the provider from your own account.

Watch out for payment fraud

Scammers regularly send fake invoices containing new bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, confirm changed bank details through a phone call, using a number you already had. Watch out for time pressure, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and have them start a recall.

People receiving money can be targeted as well: a classic trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender is no proof – check your own account.

What to give a sender who pays you at Corporacion Financiera de Caldas S.A.

A sender in another country needs several details from you – incomplete details often cause delays. Share the account holder’s name, the IBAN or account number, the BIC CFCACOB1XXX and your address.

Certain sending banks also ask for the bank’s address. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is below what the sender paid. Fees for incoming transfers differ from bank to bank; check the price list of Corporacion Financiera de Caldas S.A.. For business payments, you can agree how the fees are split, so that nobody is left short.

Is CFCACOB1 still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details. If the code you have does not match CFCACOB1 or CFCACOB1XXX, stop and ask.

If the code is wrong, the transfer may get stuck, be returned or end up costing more, and tracing it can take weeks. Remember the account number: an error there can be harder to correct than a wrong code.

An automatic check by your bank merely confirms that the code is valid, not that it is the right account. Where available, a name check before sending adds an extra layer of safety. When you pay someone new, some people start with a small test amount.