Banque des Etats de L'afrique Centrale D.n. Congo SWIFT/BIC code

Banque des Etats de L'afrique Centrale D.n. Congo SWIFT code: BEACCGCG

If an invoice shows BEACCGCG or BEACCGCGXXX, you are looking at the same address for Banque des Etats de L'afrique Centrale D.n. Congo in Congo - Brazzaville. Banks worldwide use BIC codes to direct international transfers to the correct institution. In practice you usually see the code on invoices from abroad, in payment forms and in the bank details that Banque des Etats de L'afrique Centrale D.n. Congo provides.

Further down we go through the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you hit send. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number is for.

Head office or branch code at Banque des Etats de L'afrique Centrale D.n. Congo?

Our directory lists 3 SWIFT/BIC codes for Banque des Etats de L'afrique Centrale D.n. Congo, spread over 3 locations. Besides the head office code BEACCGCGXXX, there are codes for branches, departments or specific services.

Usually you do not need to look up a branch: transfers sent to BEACCGCGXXX reach Banque des Etats de L'afrique Centrale D.n. Congo correctly. If you have been given a branch code, stick to it rather than replacing it with the head office code.

The best way is to take the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

Protect yourself against fake payment requests

Stay alert when a contact unexpectedly asks you to send money to another account abroad. A real SWIFT code says nothing about whether the request is genuine.

Do not rely on contact details in the same message that announces the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. When a payment was sent to a fraudster, call your bank right away.

Scams can also work the other way. Someone claims to have sent more than agreed and wants you to refund the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

About this information

We collect SWIFT/BIC codes using publicly available data and check our list from time to time. Banks reorganise, close branches and change codes – a directory can be a step behind. Figures such as the number of codes come from our directory and may differ from what Banque des Etats de L'afrique Centrale D.n. Congo publishes.

Treat this page as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay has no connection to Banque des Etats de L'afrique Centrale D.n. Congo. Spotted an error? Tell us via our contact form so we can correct it.

Sending money abroad from Banque des Etats de L'afrique Centrale D.n. Congo

An international bank payment costs more than the listed fee. On top of the transfer fee, banks in between can deduct a fee, and when the money changes currency the bank often applies a rate below the actual market rate.

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

For a lot of routes, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares what recipients receive across services. You can always keep your account at Banque des Etats de L'afrique Centrale D.n. Congo, while a cheaper service handles the conversion.

How to check BEACCGCG before you pay

Have the recipient send you the account details straight from a recent statement. If the code you have does not match BEACCGCG or BEACCGCGXXX, stop and ask.

Errors in the BIC tend to be costly more than fatal: often the payment comes back, minus fees. A mistake in the account number can be a bigger problem because it can reach the wrong person; check it just as carefully.

Many banking apps check the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Where available, a payee name check on the recipient adds extra certainty. A small test payment can be a sensible step for a large first payment despite the extra fee.

What the XXX in BEACCGCGXXX means

The layout of a BIC never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. In this case, that core is BEACCGCG.

XXX at the end of BEACCGCGXXX is not a missing value or an error: it indicates the head office of Banque des Etats de L'afrique Centrale D.n. Congo. Some banking apps ask for 11 characters, in which case you can add XXX after BEACCGCG.

Do not add spaces when you type BEACCGCG or BEACCGCGXXX. Watch for O versus 0 or the letter I and the digit 1, a common source of typos.

How long does an international transfer to Banque des Etats de L'afrique Centrale D.n. Congo take?

How quickly a payment reaches Banque des Etats de L'afrique Centrale D.n. Congo is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country can add a day or more. Extra checks on larger or unusual payments can also add some delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank about the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services often provide tracking in their app so you can see how far the money is.

The bank that sent the money can request a trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference – it helps your own bank look for the money.

What to give a sender who pays you at Banque des Etats de L'afrique Centrale D.n. Congo

If you expect a payment from another country, give the sender everything they need in one go. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code BEACCGCGXXX (or BEACCGCG) and sometimes your address.

Certain sending banks also ask for the bank’s address in Brazzaville, so keep it at hand. Double-check every detail before you share 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. Intermediary banks may deduct a fee, Banque des Etats de L'afrique Centrale D.n. Congo may charge for incoming payments, and when currencies differ, a markup on the rate applies. Make clear with the sender who covers the fees, especially for larger amounts.