Banque Centrale du Congo SWIFT/BIC code

Banque Centrale du Congo SWIFT code: BCCGCDK2

Whether you are given BCCGCDK2 or BCCGCDK2XXX, you are looking at the same identifier for Banque Centrale du Congo in Congo - Kinshasa. Banks worldwide use BIC codes to route international transfers to the right bank. You will need it mainly for transfers between countries.

On this page we explain what the code is put together, when it matters and which other details you need for a transfer to or from Banque Centrale du Congo. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

How to check BCCGCDK2 before you pay

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare it against BCCGCDK2 on this page.

If the code is wrong, the payment may get stuck, bounce back or end up costing more – sometimes after weeks of searching. Remember the IBAN: a mistake there is more difficult to correct than a wrong BIC.

An automatic check by your bank only tells you that the IBAN exists, not that it is the right account. Where available, a name check on the recipient gives an extra layer of safety. When you pay someone new, many people start with a small test amount before sending the rest.

Where our SWIFT data comes from

This directory is compiled from publicly available sources. Still, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our directory and are not confirmed by Banque Centrale du Congo.

For a payment that matters, check the BIC with Banque Centrale du Congo or with the recipient. GoldexPay has no connection to Banque Centrale du Congo; we are a comparison site for money transfers. Should you notice something that is out of date, we appreciate a message.

Receiving money from abroad at Banque Centrale du Congo

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. That means: your full name as registered with Banque Centrale du Congo, your account number or IBAN, the BIC BCCGCDK2XXX and, often, your postal address.

Their bank may also ask for the address of your bank. Check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank. On invoices, it is common to state who bears the costs.

Transfer times and tracking a payment to Banque Centrale du Congo

There is no single delivery time for every transfer: some land within a day, others take several business days. Transfers sent after the cut-off time or just before weekends and holidays often start the next business day. Extra checks by one of the banks may also cause a delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR. Save your transfer receipt until the money has arrived – you will need it for any trace request.

A missing payment is investigated from the sending side. On the receiving end, it helps to look at your account for a partial amount because fees can reduce the amount.

Which of the 2 codes of Banque Centrale du Congo do you need?

With 2 codes in 1 cities, Banque Centrale du Congo belongs to the banks that use separate codes for branches. The main code is BCCGCDK2XXX.

In most cases there is no need to look up a branch: transfers addressed to BCCGCDK2XXX reach Banque Centrale du Congo without problems. If you have been given a specific code, stick to it instead of replacing it for the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Codes can change when banks reorganise.

Scams that use SWIFT codes

Be alert if a contact unexpectedly wants you to send money to another account or a bank in another country. The fact that BCCGCDK2 exists does not mean that the account is legitimate – fraudsters use real bank codes as well.

Never trust contact details in the same message that announces the change. Pressure and requests to keep it quiet are warning signs. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment and report the fraud.

Fraud can also target the receiver: someone claims to have sent too much and asks you to return the extra to a new account. Do not act before the money has really arrived and check with Banque Centrale du Congo if anything seems off.

8 or 11 characters: BCCGCDK2 versus BCCGCDK2XXX

The layout of every SWIFT code is always the same: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. Together, those parts make up BCCGCDK2 – the version you usually see online.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office, which is why BCCGCDK2XXX and BCCGCDK2 lead to the same place.

Type the code as one block, in upper case and without separators. A wrong character can send the money to a different institution, so check it twice.

What a transfer from Banque Centrale du Congo abroad really costs

An international bank payment costs rather more than the listed fee. On top of a fixed fee, banks in between can take a cut, and when the money changes currency, the bank usually applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the largest item, and it is easy to miss. Compare their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare the total cost via GoldexPay instead of going straight to your bank. You can always keep your account at Banque Centrale du Congo as the source of the money.