Banco Bct S.A. SWIFT/BIC code

SWIFT/BIC code of Banco Bct S.A.

CCIOCRSJ and CCIOCRSJXXX are two ways of writing the same bank identifier, and both point to Banco Bct S.A. in San Jose. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money. In practice you mostly see it on invoices from abroad, in your banking app and on the account details of Banco Bct S.A. customers.

On this page we explain what the code means, when you need it and what else a transfer to or from Banco Bct S.A. requires. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN is for.

Verifying the SWIFT code of Banco Bct S.A.

The best place to find the correct BIC remains paperwork issued by the bank. If the code you have differs from CCIOCRSJ or CCIOCRSJXXX, stop and ask – contact the recipient or Banco Bct S.A..

With a wrong code, the transfer may be delayed, bounce back or cost extra. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else; check it just as carefully.

A validity check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now check the payee name with the account; take any warning seriously. For a first payment, many people send a small test amount.

Head office or branch code at Banco Bct S.A.?

Our database contains 2 SWIFT/BIC codes for Banco Bct S.A., spread over 1 locations. Besides the head office code CCIOCRSJXXX, you will find codes for regional offices and specialised units.

For the vast majority of payments to a private or business account, the head office code CCIOCRSJXXX is what you need. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest route is to copy the code straight from the recipient’s statement. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

What a transfer from Banco Bct S.A. abroad really costs

If you transfer money to another country from Banco Bct S.A., the visible fee is rarely all of what you pay. Besides a fixed fee, banks in between can take a cut, and if currencies are converted the bank often applies a rate that is less favourable than the real market rate.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate. Before your next transfer, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. You can always keep your account at Banco Bct S.A..

Protect yourself against fake payment requests

Stay wary if someone unexpectedly asks you to send money to another account. The fact that CCIOCRSJ exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Before paying, confirm changed bank details by phone. Urgency and requests to keep it quiet are warning signs. Already paid? Call your bank straight away and have them try to recall the payment; also report it to the police.

Fraud also work the other way. Someone sends too much and wants you to refund the difference to a new account. Do not act before the money is actually in your account.

Where our SWIFT data comes from

This directory is compiled from publicly available sources and we update it periodically. It is possible that a code here is no longer current, for example after a merger. Figures such as the number of codes come from our own dataset and are not confirmed by Banco Bct S.A..

Treat the information on this page as a handy check, and let the details from the recipient or Banco Bct S.A. have the final say. GoldexPay is an independent comparison service for money transfers and not affiliated with Banco Bct S.A.. Spotted an error? Tell us via our contact form.

8 or 11 characters: CCIOCRSJ versus CCIOCRSJXXX

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, characters five and six show the country and characters seven and eight indicate the location. That gives you CCIOCRSJ for Banco Bct S.A..

Many banks and apps work with either length. If a form requires eleven characters, enter CCIOCRSJXXX.

In practice the code is written in capitals. A wrong character can send the money to another bank, so copy it carefully.

What to give a sender who pays you at Banco Bct S.A.

When you are waiting for a payment from another country, send the payer everything they need in one go. Give them your name as the bank knows it, your account number or IBAN, SWIFT code CCIOCRSJXXX and your address.

You can add the bank name and its city as well. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

What lands in your account can be less than the amount sent. Correspondent banks can take a fee, Banco Bct S.A. may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. Make clear with the sender who covers the fees.

How long does an international transfer to Banco Bct S.A. take?

An international transfer typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays usually go out a business day later. Extra checks on larger or unusual payments may also cause some delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Each payment gets a unique reference, the UETR. Specialist transfer services usually show a status online so you can see where the money is.

Only the sending bank can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can check your statements for a partial amount.