SWIFT/BIC codes in Côte d’Ivoire

Côte d’Ivoire: banks and their SWIFT/BIC codes

On this page you find codes for 38 banks in Côte d’Ivoire. A BIC tells every bank in the chain exactly which bank should receive an international payment.

Choose the bank below to see its head office code and any branch codes, plus practical notes for sending and receiving money. Below the list we explain how codes from Côte d’Ivoire are built, how to send money to Côte d’Ivoire at a fair price and what to check before you pay.

Bank or transfer service for Côte d’Ivoire?

What you pay for a payment to Côte d’Ivoire has more than one component – not only the fee you see. You pay the transfer fee, sometimes charges from intermediary banks along the way and, above all, the exchange rate markup if the money is converted.

The markup on the rate tends to be the biggest part of the cost. Check the bank’s rate against the mid-market rate, the midpoint you see on financial news sites; the gap is what conversion costs you.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. GoldexPay lists transfer services next to each other, showing the amount that reaches the recipient before you commit.

Paying a bank in Côte d’Ivoire from abroad

Côte d’Ivoire is outside the SEPA area. International transfers to Côte d’Ivoire usually travel over the SWIFT network.

Depending on the country, accounts are identified by a domestic account number instead of an IBAN. Ask the recipient which details their bank needs for payments from abroad. On the way to Côte d’Ivoire, a payment may go through correspondent banks that take a fee.

Most SWIFT codes in Côte d’Ivoire: African Development Bank

Of the 38 banks we list for Côte d’Ivoire, African Development Bank has the most codes. The head office uses AFDBCIABXXX, which is the code to use when no branch is specified.

Many codes often reflects that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Paying someone at African Development Bank? Use AFDBCIABXXX except when a specific branch code is requested.

About our data and how to check a code

Have the recipient copy the account details directly from a recent statement. When the code you were given does not match our list, do not guess: check with the recipient or the bank.

We gather bank codes using public sources and check them from time to time. Institutions merge, close branches and retire codes. For any payment that matters, confirm the code with the recipient. GoldexPay is not a bank.

Be wary of payment requests containing a new account, especially when they come by email. A real SWIFT code says nothing about whether a request is genuine – scammers use the codes of real banks.

How long does a transfer to Côte d’Ivoire take?

A SWIFT payment to Côte d’Ivoire typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or just before weekends and holidays often start the next business day.

When a payment takes longer than expected, the sender should contact their own bank for a trace – the receiving bank often cannot see a payment that has not arrived. Money transfer services usually show tracking online.

Getting paid from abroad into an account in Côte d’Ivoire

To receive a transfer from abroad into a Côte d’Ivoire account, the person paying you has to have not just the SWIFT code. Share your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address, which some banks require.

Find the bank in the list above. Some banks may also want your bank’s address.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank. On invoices, agree who bears the costs.

The structure of a Côte d’Ivoire SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters in a fixed order. Characters one to four stand for the bank, characters five and six form the country code and characters seven and eight mark the location.

In every code from Côte d’Ivoire, characters five and six show the two-letter ISO code of Côte d’Ivoire. Codes with a different country code belong to a bank abroad, even if the bank name looks familiar.

The last three characters, if present, identify a specific branch; XXX is used for the head office. In most cases the head office code is what you need, unless the recipient gives you a branch code.