Banco Credito Agricola de Cartago SWIFT/BIC code

BCACCRS1 – the SWIFT/BIC code of Banco Credito Agricola de Cartago

Whether you are given BCACCRS1 or BCACCRS1XXX, you are looking at the identical identifier for Banco Credito Agricola de Cartago in Costa Rica. A BIC does one job: it makes sure that money from abroad reaches the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

On this page we explain what the code means, when it matters and which other details you need for a transfer to or from Banco Credito Agricola de Cartago. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

Receiving money from abroad at Banco Credito Agricola de Cartago

To receive an international payment at Banco Credito Agricola de Cartago, the sender has to have more than the SWIFT code. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code BCACCRS1XXX and sometimes your address.

It helps to include the bank name and its city as well. Check each 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 smaller than what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. Make clear with the sender who pays which costs.

Tracking a transfer to or from Banco Credito Agricola de Cartago

How fast a transfer arrives at Banco Credito Agricola de Cartago depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or just before weekends and holidays usually go out a business day later. Extra checks by one of the banks can also cause a delay.

If a transfer is late, contact your bank for the tracking status; with that reference banks can see where the payment is. Specialist transfer services usually provide a status online so you can see how far the payment has got.

A missing payment is traced from the sending side, using the payment confirmation. As a recipient, you can look at your statements to see a slightly lower amount.

Watch out for payment fraud

Criminals regularly send payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that BCACCRS1 exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Always verify changed bank details by phone, using a number you already had. Urgency or requests to keep it quiet are red flags – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference abroad. A screenshot of a transfer proves nothing.

Sending money abroad from Banco Credito Agricola de Cartago

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

Many banks rarely show their exchange rate markup as a cost – you only notice it if you compare. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialised transfer providers frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive across providers, so you can pick the cheapest route. Using a transfer service does not mean closing your account at Banco Credito Agricola de Cartago.

What the XXX in BCACCRS1XXX means

The layout of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. The result is BCACCRS1 for Banco Credito Agricola de Cartago.

Many banks and apps work with either length. If yours asks for eleven characters, use BCACCRS1XXX; if it wants eight, use BCACCRS1.

Enter the code as one block, in upper case and without separators, exactly as shown here. A single letter may route a payment to a different institution.

About this information

We gather SWIFT/BIC codes using public sources and check them regularly. It can happen that information on this page is out of date, for example after a merger. Counts and locations are from our directory.

Treat the information on this page as a handy check and rely on the recipient or Banco Credito Agricola de Cartago for the final confirmation. GoldexPay is an independent comparison site and not part of Banco Credito Agricola de Cartago. Found outdated information? Tell us via our contact form.

How to check BCACCRS1 before you pay

The safest source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check that code with BCACCRS1 here; if they differ, ask before you pay.

Mistakes in the SWIFT code are annoying more than fatal: often the payment comes back, minus fees. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Most online banking apps check the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient adds an extra layer of safety. Sending a small amount first is a sensible step for large sums despite the extra fee.

Which of the 2 codes of Banco Credito Agricola de Cartago do you need?

Our database contains 2 SWIFT/BIC codes for Banco Credito Agricola de Cartago. Next to the head office code BCACCRS1XXX, there are codes for individual branches and departments.

Usually you do not need to look up a branch: payments sent to BCACCRS1XXX are routed within Banco Credito Agricola de Cartago without problems. When you receive a specific code, stick to it instead of replacing it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to change than BCACCRS1XXX when a bank merges or closes offices.