SWIFT/BIC codes in Congo - Brazzaville

Bank SWIFT codes for Congo - Brazzaville

This directory contains 15 banks and other institutions in Congo - Brazzaville, with 19 SWIFT/BIC codes in total. Each code identifies an institution or one of its branches, so a payment from abroad reaches the right place.

Look for the recipient’s bank below and open its page to see the full list of codes and the details a transfer needs. The rest of this page explain how the codes work, the cost of transfers and how to avoid mistakes.

Incoming international payments in Congo - Brazzaville

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

Find your bank in the list above to check its code. Certain banks also want your bank’s address; it does no harm to include it.

What lands in your account can be less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. On invoices, state who bears the costs to avoid a shortfall.

Most SWIFT codes in Congo - Brazzaville: Banque des Etats de L'afrique Centrale D.n. Congo

Banque des Etats de L'afrique Centrale D.n. Congo leads the list of Congo - Brazzaville banks in the number of SWIFT/BIC codes. The head office uses BEACCGCGXXX, which is the code to use when no branch is specified.

How many codes a bank has says something about how it organises its payments than about its size. Making a payment to Banque des Etats de L'afrique Centrale D.n. Congo? Go with BEACCGCGXXX unless a specific branch code is requested.

The cheapest way to send money to Congo - Brazzaville

If you transfer money to Congo - Brazzaville through your bank, the stated fee is only part of the cost. There is the transfer fee, sometimes charges from intermediary banks and, most importantly, the exchange rate markup when currencies differ.

The real cost is often in the rate, rather than in the fee. An easy check: put the offered rate next to the mid-market rate and look at the difference.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer. Before you send money to Congo - Brazzaville, take a minute comparing what arrives via GoldexPay instead of going straight to your bank.

What the letters in a Congo - Brazzaville BIC mean

Each SWIFT/BIC code has eight or eleven characters. Characters one to four identify the bank, characters five and six form the country code and characters seven and eight mark the location.

In every code from Congo - Brazzaville, characters five and six show the ISO country code of Congo - Brazzaville – that is the quickest way to spot one. A code with other letters in that position belong to a bank abroad.

When a code ends in XXX, it means the head office. In most cases the head office code is fine unless the recipient asks for a specific branch.

Check the code before you pay

The most reliable place for the correct BIC is a document from the bank itself, such as a statement or the account page in online banking. A wrong code may lead to delays, a returned payment or extra fees, so compare it with the list on this page.

We gather SWIFT/BIC codes using public sources and update our list from time to time. Even so, banks merge, rename themselves or change codes and our data may lag behind. For any payment that matters, confirm the code with the recipient. GoldexPay is not a bank and has no link to the banks in this list.

Watch out for payment requests with changed bank details, especially when they come by email. Always verify a change of bank details through a separate channel on a number you know.

Tracking a payment to Congo - Brazzaville

An international transfer to Congo - Brazzaville typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Payments made late in the day or on a weekend or public holiday usually go out the next business day.

Many banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR. Keep your transfer receipt until the money has arrived.

Paying a bank in Congo - Brazzaville from abroad

Because Congo - Brazzaville does not belong to SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means you always need the SWIFT/BIC code of the recipient’s bank in addition to the account details.

Depending on the country, the account is identified by a local account number instead of an IBAN. Check with the recipient which details their bank needs for incoming international payments; banks often publish instructions for this. International transfers sometimes go via correspondent banks.