Refineria de Cartagena S.A. SWIFT/BIC code

RCARCOB2 – the SWIFT/BIC code of Refineria de Cartagena S.A.

RCARCOB2 and RCARCOB2XXX are two ways of writing the same bank identifier, and both lead to Refineria de Cartagena S.A. in Bogota. A SWIFT code tells every bank in the chain which institution is meant to get the money. In daily life you mostly see the code on international invoices, in payment forms and on the account details that Refineria de Cartagena S.A. provides.

On this page you will find how the code is put together, when you need it and what else a transfer to or from Refineria de Cartagena S.A. requires. A SWIFT code names a bank or branch, not a single account.

What the XXX in RCARCOB2XXX means

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Combined, those parts make up RCARCOB2, the code most people search for.

Many payment forms work with both lengths. If a form requires eleven characters, enter RCARCOB2XXX.

Type the code in one piece, in capitals and without spaces, exactly as shown here. A single character can send the money to another bank, so copy it carefully.

A note on our data

The codes on this page are taken from publicly available data. Still, banks merge or retire codes and our data may lag behind. Figures such as the number of codes come from our directory and may differ from what Refineria de Cartagena S.A. publishes.

Before a payment of any size, check the code with Refineria de Cartagena S.A. or with the recipient. GoldexPay is an independent comparison site for money transfers and not part of Refineria de Cartagena S.A.. Spotted outdated information? Tell us through the contact page and we will look into it.

Is RCARCOB2 still correct? How to check

The most reliable place for the right code is a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from RCARCOB2 or RCARCOB2XXX, do not guess: check with the recipient or with Refineria de Cartagena S.A. directly.

With a wrong code, the transfer may be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the account number: an error there can be more difficult to undo than a wrong code.

A format check in your banking app merely confirms that the code is valid, not that it is the right account. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. For a first payment, many people send a small test amount before sending the rest.

Incoming international payments to Refineria de Cartagena S.A.

A sender in another country will ask for a few details about your account – incomplete details often cause delays. Share the account holder’s name, the IBAN or account number, the BIC RCARCOB2XXX and your address.

The sender’s bank might also ask for the address of your bank; the head office in Bogota is usually fine. Double-check every detail before you send them.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. On invoices, you can state how the fees are split, so that nobody is left short.

Transfer times and tracking a payment to Refineria de Cartagena S.A.

There is no single delivery time for every transfer: many arrive within a day while others need several business days. Payments made late in the day or on a weekend or public holiday usually start a business day later. Sometimes a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, ask your bank for the status and the transaction reference. Keep the payment confirmation until the recipient confirms.

A delayed transfer has to be traced from the sending side. Request from the sender a copy of the payment confirmation.

Paying someone abroad from your Refineria de Cartagena S.A. account

The price of a payment abroad has several parts. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

Banks do not list the margin on the rate as a cost. An easy check: put the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay compares transfer providers next to each other so you can see what actually arrives for the same amount sent. Using a transfer service does not mean leaving Refineria de Cartagena S.A.: you simply pay the service from your account.

Protect yourself against fake payment requests

Fraudsters often send payment requests with new bank details. A correct SWIFT code tells you nothing about whether the request is genuine.

Verify new payment details through a different channel, not by replying to the message. Pressure or secrecy are red flags. If money has already gone to a fraudster, call your bank right away.

Scams also work the other way: someone sends too much and wants you to return the difference via a different route. Wait until the money has really arrived – ask Refineria de Cartagena S.A. if something looks wrong.

Head office or branch code at Refineria de Cartagena S.A.?

Our database contains 2 SWIFT/BIC codes for Refineria de Cartagena S.A. in 1 cities. Besides the head office code RCARCOB2XXX, there are codes for branches, departments or specific services.

For most incoming transfers, the head office code RCARCOB2XXX is the right choice. Just use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

The best way is to copy the code directly from the recipient’s invoice. Branch codes can change over time.