Banco Davivienda (Costa Rica), S.A. SWIFT/BIC code

BXBACRSJ – the SWIFT/BIC code of Banco Davivienda (Costa Rica), S.A.

Whether a recipient gives you BXBACRSJ or BXBACRSJXXX, it is the identical identifier for Banco Davivienda (Costa Rica), S.A. in Costa Rica. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct bank. In practice you usually see it on invoices from abroad, in payment forms and on the account details that Banco Davivienda (Costa Rica), S.A. provides.

This page is meant to help anyone who pays into an account at Banco Davivienda (Costa Rica), S.A. without mistakes. Remember that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

Is BXBACRSJ still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with BXBACRSJ on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause delays, a returned payment or extra fees. A mistake in the account number is a bigger problem because it can reach the wrong person.

A format check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount and wait for confirmation.

Which of the 3 codes of Banco Davivienda (Costa Rica), S.A. do you need?

Banco Davivienda (Costa Rica), S.A. uses 3 different SWIFT/BIC codes. Only one is the head office code; the rest belong to branches, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code BXBACRSJXXX is what you need. If you have been given a branch code, use it as it is rather than swapping it with the head office code.

The best way is to copy the code straight from the account holder’s statement. Branch codes are sometimes changed or retired when banks reorganise.

What the XXX in BXBACRSJXXX means

The structure of every SWIFT code never changes: four characters for the institution, two for the country and two for the location, plus an optional branch code. Combined, those parts make up BXBACRSJ, the code most people search for.

XXX at the end of BXBACRSJXXX does not stand for a placeholder or an error: it stands for the main office of Banco Davivienda (Costa Rica), S.A.. Some banking apps ask for 11 characters, in which case you can add XXX after BXBACRSJ.

As a rule the code is written in capitals and without spaces. Look out for the letter O and the digit 0 or I versus 1.

What to give a sender who pays you at Banco Davivienda (Costa Rica), S.A.

If you expect a payment from another country, give the sender everything they need in one go. What they need is: the account holder’s name, IBAN or account number, BXBACRSJXXX and often your postal address.

It helps to add Banco Davivienda (Costa Rica), S.A. and its city too. A typo in the IBAN can be harder to fix than you might think.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Banco Davivienda (Costa Rica), S.A. may charge for incoming payments, and if the money is converted, an exchange rate margin applies. On invoices, it is common to agree who bears the costs to avoid a shortfall.

Changed bank details? Be careful

Stay alert when a contact suddenly asks you to pay into a different account abroad. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never rely on contact details in the same message that announces the change. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. Already paid? Contact your bank without delay and have them start a recall.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to refund the difference. A payment confirmation from the sender is no proof.

How up to date is this code?

We collect bank codes using public sources and update our list regularly. Still, banks merge, rename themselves or retire codes and our data may lag behind. The figures on this page reflect what is in our directory and not on information from Banco Davivienda (Costa Rica), S.A. itself.

Treat our directory on this page as a handy check, and let the details from the recipient or Banco Davivienda (Costa Rica), S.A. have the final say. We are a comparison service and not part of Banco Davivienda (Costa Rica), S.A.. If you notice something that is out of date, we appreciate a message.

What a transfer from Banco Davivienda (Costa Rica), S.A. abroad really costs

An international bank payment can cost more than the fee suggests. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and if currencies are converted, the bank often uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert 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 look at the difference.

For a lot of routes, a transfer service is less expensive than a bank. GoldexPay lists these services side by side so you can see what actually arrives. Choosing a specialist does not require leaving Banco Davivienda (Costa Rica), S.A.: you simply pay the service from your account.

When will the money arrive at Banco Davivienda (Costa Rica), S.A.?

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in either country add a day or more to the journey. Compliance checks on larger or unusual payments may also add some delay, even when all details are correct.

If the money seems delayed, contact your bank for the status; with that reference banks can see where the payment is. Money transfer services usually provide a status in their app showing where the money is.

The bank that sent the money is able to start an official trace or a recall. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.