Banque Atlantique Cote D'ivoire SWIFT/BIC code

ATCICIAB – the SWIFT/BIC code of Banque Atlantique Cote D'ivoire

The short code ATCICIAB and the full code ATCICIABXXX identify one and the same institution: Banque Atlantique Cote D'ivoire. Banks worldwide use these codes to direct international transfers to the correct bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

This page is meant to help people who sends money to an account at Banque Atlantique Cote D'ivoire. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN .

When will the money arrive at Banque Atlantique Cote D'ivoire?

A SWIFT payment typically needs anywhere from one to several business days. Transfers sent late in the day or on a weekend or public holiday usually start a business day later. Compliance checks by one of the banks can also cause a delay.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services often provide tracking online so you can see where the payment is.

If a payment has not arrived within the expected time, the person who paid should contact their own bank rather than Banque Atlantique Cote D'ivoire. Ask the sender for a copy of the payment confirmation.

What to give a sender who pays you at Banque Atlantique Cote D'ivoire

To receive a transfer from abroad into your account at Banque Atlantique Cote D'ivoire, the person paying you needs more than the BIC. In practice that means: your full name as registered with Banque Atlantique Cote D'ivoire, your IBAN or account number, the BIC ATCICIABXXX and usually your postal address.

The sender’s bank might also ask for the bank address of Banque Atlantique Cote D'ivoire. Check the details before you send them.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. Agree with the sender who pays which costs, especially for larger amounts.

About this information

The codes on this page come from publicly available data that we update regularly. Institutions merge, change names and retire codes – a directory can be a step behind. Figures such as the number of codes come from our own dataset and are not confirmed by Banque Atlantique Cote D'ivoire.

See our directory on this page as a handy check and rely on the recipient or Banque Atlantique Cote D'ivoire for the final confirmation. GoldexPay is a comparison service for money transfers and not affiliated with Banque Atlantique Cote D'ivoire. Found outdated information? Let us know through the contact page.

Scams that use SWIFT codes

Scammers regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. The fact that ATCICIAB exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Never rely on contact details in the same message that contains the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Call the bank you paid from without delay and ask them to try to recall the payment; also report it to the police.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer is no proof – check your own account.

What the XXX in ATCICIABXXX means

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. In this case, the 8-character core is ATCICIAB.

The 11-character version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, which is why ATCICIABXXX and ATCICIAB lead to the same place.

Do not add spaces when you type ATCICIAB. A single character may route the money to another bank, so copy it carefully.

Choosing between the 2 SWIFT codes of Banque Atlantique Cote D'ivoire

Banque Atlantique Cote D'ivoire has 2 separate SWIFT/BIC codes across 2 locations. Only one is the head office code, ATCICIABXXX; the others identify branches or departments, and sometimes specific services.

In most cases there is no need to look up a branch: payments addressed to ATCICIABXXX reach Banque Atlantique Cote D'ivoire without problems. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

The safest route is to copy the code straight from the account holder’s bank details. Branch codes can change over time.

Is ATCICIAB still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code against ATCICIAB here; if they differ, ask before you pay.

Errors in the SWIFT code tend to be costly more than fatal. An error in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically. More and more banks check the name against the account; take any warning seriously. When you pay someone new, some people send a small test amount before sending the rest.

What a transfer from Banque Atlantique Cote D'ivoire abroad really costs

When you transfer money abroad via Banque Atlantique Cote D'ivoire, the fee you see is rarely all of what you pay. Besides a fixed fee, banks in between may deduct a fee, and if the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

The real cost is often in the rate: the bank converts using an exchange rate with a margin built in. Check the rate you are offered against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Money transfer services often use rates closer to the mid-market rate and lower fees. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. You can still keep your account at Banque Atlantique Cote D'ivoire to fund the transfer; only the conversion and sending happen elsewhere.