SWIFT/BIC codes in Congo - Kinshasa

Finding a SWIFT code in Congo - Kinshasa

For Congo - Kinshasa our database holds 31 SWIFT/BIC codes. You need such a code mostly for payments across borders and for payments in a foreign currency.

Choose the bank below to view the head office code and its other codes. The sections below covers the structure of the codes, the cost of transfers and how to avoid mistakes.

Bank or transfer service for Congo - Kinshasa?

A bank transfer to Congo - Kinshasa can cost more than the fee suggests. There is the transfer fee, sometimes charges from intermediary banks along the way and, above all, the margin on the exchange rate if the money is converted.

That exchange rate margin is often the biggest cost item. An easy check: set the offered rate next to the mid-market rate and look at the difference.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. Before your next transfer to Congo - Kinshasa, it is worth comparing the total cost on GoldexPay rather than accepting the first rate you see.

Check the code before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient. A wrong code may lead to delays, a returned payment or additional charges.

We gather bank codes from public sources and check our list regularly. Even so, banks merge or retire codes and our data may lag behind. Use this list as a reference, not as the final word: the bank details from the recipient come first. GoldexPay is an independent comparison site for money transfers.

Fraudsters regularly send payment requests with changed bank details. Always verify a change of bank details through a separate channel.

Banque Centrale du Congo and its SWIFT codes

Banque Centrale du Congo tops our list of Congo - Kinshasa banks when it comes to the number of SWIFT/BIC codes. The head office of Banque Centrale du Congo uses BCCGCDK2XXX.

Banks differ in whether they register branch codes. Unless a branch code is given, BCCGCDK2XXX is fine for a payment to Banque Centrale du Congo.

Tracking a payment to Congo - Kinshasa

An international transfer to Congo - Kinshasa usually takes anywhere from one to several business days. Bank holidays in either country can add a day or more, because banks do not process payments on those days.

When a payment takes longer than expected, ask the sender to contact their own bank; only the sending side can start an official trace. Specialist transfer services usually show tracking in their app, which makes it easier to see where the money is.

Receiving money in Congo - Kinshasa from abroad

For a transfer from abroad into a Congo - Kinshasa account, the sender has to have not just the SWIFT code. Share the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address.

Find your bank in the list on this page and compare the code with your own bank details, but take the code from your own bank details when in doubt. Certain banks may also want your bank’s address, so keep it at hand.

Do not be surprised if the amount credited is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. Make clear with the sender who pays which costs, especially for larger amounts.

Recognising a SWIFT code from Congo - Kinshasa

A SWIFT code is either 8 or 11 characters long and follows a fixed pattern. First comes a four-letter bank code, then two letters for the country and a two-character location code.

Whatever the bank, every code from Congo - Kinshasa have the same country code in positions five and six, namely the ISO code of Congo - Kinshasa. A code with a different country code belong to a bank abroad, even if the bank name looks familiar.

If the last three are XXX, it refers to the head office, and the 8-character version leads to the same place. Use a branch code just when the recipient explicitly gives you one – otherwise stick with the head office.

Paying a bank in Congo - Kinshasa from abroad

For Congo - Kinshasa you almost always need the BIC. Without the BIC, most banks will not send the payment.

Not all countries use IBAN numbers – where there is none, the local account number is enough. Ask the recipient which details their bank needs for incoming international payments – many banks give clear instructions for this. SWIFT payments can pass through correspondent banks and fees can be taken along the way.