Dmexchange Sprl SWIFT/BIC code

SWIFT/BIC code of Dmexchange Sprl

The 8-character code DMEXCDK1 and the full code DMEXCDK1XXX refer to one and the same institution: Dmexchange Sprl in Kinshasa, Congo - Kinshasa. A BIC does one job: it makes sure that a cross-border transfer reaches the right bank. In practice you usually see it on international invoices, in your banking app and in the bank details of Dmexchange Sprl customers.

On this page we explain what the code is put together, when it matters and what else you need for a transfer to or from Dmexchange Sprl. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number takes care of that.

What a transfer from Dmexchange Sprl abroad really costs

A bank transfer abroad costs rather more than the fee suggests. You pay the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The markup on the rate tends to be the biggest cost even though it is not listed as a fee. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service is cheaper than a bank. GoldexPay lists these services side by side, showing the amount the recipient gets. Using a transfer service does not mean closing your account at Dmexchange Sprl.

Receiving money from abroad at Dmexchange Sprl

For a transfer from abroad into your account at Dmexchange Sprl, the person paying you has to have not just the SWIFT code. In practice that means: your name as registered with Dmexchange Sprl, your account number or IBAN, the BIC DMEXCDK1XXX (or DMEXCDK1) and, often, your postal address.

It helps to include the bank name and its city as well, since some forms ask for it. A mistake in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

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 when currencies differ, an exchange rate margin applies. For business payments, it is common to state who bears the costs, so that nobody is left short.

Is DMEXCDK1 still correct? How to check

The most reliable place for the right code remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match DMEXCDK1 or DMEXCDK1XXX, do not guess – contact the recipient or Dmexchange Sprl.

Errors in the BIC are costly more than disastrous: often the payment comes back, minus fees. Remember the IBAN: a mistake there can be harder to undo than a wrong code.

An automatic check by your bank merely confirms that the IBAN is valid, not that it is the right account. More and more banks compare the payee name with the account before you confirm; take any warning seriously. Sending a small amount first is worth it for large sums.

DMEXCDK1 or DMEXCDK1XXX – which one to use?

A BIC is built from a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight indicate the location. For Dmexchange Sprl, the 8-character core is DMEXCDK1.

XXX at the end of DMEXCDK1XXX does not stand for a placeholder or a mistake: it stands for the head office of Dmexchange Sprl. Certain payment forms insist on 11 characters, and then you simply enter XXX behind DMEXCDK1.

Type the code as one block, in capitals and without separators. Look out for the letter O and the digit 0 and I versus 1.

About this information

This directory is compiled from public sources and we update it periodically. Still, banks merge or retire codes and our data may lag behind. The number of codes we show reflect our own data, not official figures from Dmexchange Sprl.

Before any payment of any size, always check the code with Dmexchange Sprl or with the recipient. GoldexPay is not affiliated with Dmexchange Sprl, we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

Which of the 2 codes of Dmexchange Sprl do you need?

With 2 codes in 2 cities, Dmexchange Sprl is one of the banks that use individual codes for branches. The main code is DMEXCDK1XXX.

For most incoming transfers, the head office code DMEXCDK1XXX works fine. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

The best way is to take the code straight from the account holder’s invoice. Codes for branches are more likely to change than the head office code.

Tracking a transfer to or from Dmexchange Sprl

How fast a payment reaches Dmexchange Sprl depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show a status in their app showing where the payment has got.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it rather than Dmexchange Sprl. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

Changed bank details? Be careful

Scammers regularly use payment requests with new bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check new bank details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. Acted too fast? Call your bank without delay and ask them to start a recall; also report it to the police.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference abroad. Do not act before the money has really arrived – ask Dmexchange Sprl if something looks wrong.