Banque Commerciale Internationale (Ex Cofipa Congo) SWIFT/BIC code

BCBPCGCG – the SWIFT/BIC code of Banque Commerciale Internationale (Ex Cofipa Congo)

The short code BCBPCGCG and the 11-character code BCBPCGCGXXX refer to the same bank: Banque Commerciale Internationale (Ex Cofipa Congo). The code does one job: it makes sure that an international payment reaches the right bank. It comes up mostly for payments that cross a border and payments in foreign currencies.

On this page we explain how the code means, when it matters and which other details you need for a transfer to or from Banque Commerciale Internationale (Ex Cofipa Congo). A SWIFT code names a bank or branch, never a single account, which is why you always need the account number too.

International transfers from Banque Commerciale Internationale (Ex Cofipa Congo): the real cost

A bank transfer abroad costs more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency, the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialised transfer providers often use rates closer to the mid-market rate. Next time you send money, it is worth comparing the total cost on GoldexPay. Using a transfer service does not require leaving Banque Commerciale Internationale (Ex Cofipa Congo): you simply pay the service from your account.

When will the money arrive at Banque Commerciale Internationale (Ex Cofipa Congo)?

There is no single answer for every transfer: many arrive within a day, others take several business days. Weekends and public holidays in either country can add extra days. Sometimes a bank wants to know about the purpose of a payment.

If a transfer is delayed, contact your bank for the status and the transaction reference so they can trace it along the chain. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

A missing payment is traced from the sending side on the basis of the transfer details. As a recipient, it helps to check your account to see a partial amount, since fees may have been deducted.

About this information

We collect bank codes using publicly available data and update our list regularly. It is possible that a code on this page is out of date, for example after a merger. Figures such as the number of codes come from our own dataset.

Use our data as a starting point, not as the last word. GoldexPay is independent of Banque Commerciale Internationale (Ex Cofipa Congo). Found outdated information? Tell us via our contact form so we can correct it.

Is BCBPCGCG still correct? How to check

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare that code with BCBPCGCG on this page.

Errors in the BIC tend to be annoying more than disastrous – usually the money comes back, minus fees and time lost. Do not forget the account number: a mistake there is more difficult to correct than a wrong code.

Most online banking apps check the format of an IBAN, but that does not prove the account belongs to the right person. If your bank offers it, a name check before sending gives extra certainty. For a first payment, many people start with a small amount first and wait for confirmation.

Getting paid from abroad into a Banque Commerciale Internationale (Ex Cofipa Congo) account

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. The basics are: your name, IBAN or account number, BCBPCGCGXXX or BCBPCGCG and often your postal address.

Certain banks also ask for the address of Banque Commerciale Internationale (Ex Cofipa Congo) in Brazzaville; it does no harm to include it. A mistake in your account number is more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

Watch out for payment fraud

Scammers often use payment requests containing changed bank details. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Do not rely on contact details in the same message that contains the change. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. When money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

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

Why Banque Commerciale Internationale (Ex Cofipa Congo) has an 8- and an 11-character code

The structure of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. Together, those parts form BCBPCGCG.

Most banks and apps work with both lengths. If yours asks for eleven characters, enter BCBPCGCGXXX.

As a rule the code is written in capitals and without spaces. A wrong character may route a payment to another bank, so check it twice.

Head office or branch code at Banque Commerciale Internationale (Ex Cofipa Congo)?

With 2 codes, Banque Commerciale Internationale (Ex Cofipa Congo) is one of the banks that use individual codes for parts of the organisation and departments. The head office code remains BCBPCGCGXXX.

If nobody asks you for a branch code, use BCBPCGCGXXX or its short form BCBPCGCG. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The safest route is to copy the code straight from the account holder’s invoice. Codes can change over time, so a code from an old document is not always valid.