Banco Nacional de Cuba SWIFT/BIC code

BNACCUHH – the SWIFT/BIC code of Banco Nacional de Cuba

BNACCUHH and BNACCUHHXXX are the short and the long form of the same SWIFT/BIC code, and both lead to Banco Nacional de Cuba in La Habana. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. In daily life you mostly come across the code on invoices from abroad, in your banking app and on the account details of Banco Nacional de Cuba customers.

On this page you can read what the code is put together, when you need it and what else you need for a transfer to or from Banco Nacional de Cuba. A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

Is BNACCUHH still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details. Check it with BNACCUHH here; if they differ, ask before you pay.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees along the way. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Many banking apps validate the format of IBANs, but that does not prove the account belongs to the right person. More and more banks compare the payee name against the account before you confirm – do not ignore a mismatch warning. For a first payment, many people start with a small test amount.

Transfer times and tracking a payment to Banco Nacional de Cuba

How fast a transfer reaches Banco Nacional de Cuba depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Payments made late in the day or on weekends and holidays usually start a business day later. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks use SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show tracking online so you can see how far the money has got.

Only the sending bank can start an official trace or a recall. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

BNACCUHH or BNACCUHHXXX – which one to use?

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. That gives you BNACCUHH.

XXX at the end of BNACCUHHXXX does not stand for a placeholder or an error: it indicates the main office of Banco Nacional de Cuba. Some banking apps ask for 11 characters, in which case you simply enter XXX after BNACCUHH.

Leave out spaces, dots when you type BNACCUHH or BNACCUHHXXX. Watch for O versus 0 and I versus 1, a common source of typos.

Incoming international payments to Banco Nacional de Cuba

For a transfer from abroad at Banco Nacional de Cuba, the person paying you has to have more than the BIC. Give them your name as the bank knows it, the IBAN or account number, SWIFT code BNACCUHHXXX and your address, which some banks require.

The sender’s bank might also ask for the bank address of Banco Nacional de Cuba. Check every detail before you share them.

What lands in your account is often lower than the amount sent. Fees for incoming transfers differ from bank to bank. Agree with the sender who pays which costs before the money is sent.

Changed bank details? Be careful

Stay wary if someone unexpectedly wants you to pay into a different account. That BNACCUHH is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Never trust a phone number from the same email that announces the change. Urgency and secrecy tend to be warning signs. Acted too fast? Call the bank you paid from without delay and ask them to start a recall and report the fraud.

Fraud also target the receiver: someone sends more than agreed and asks you to refund the extra via a different route. Wait until the money has really arrived.

Banco Nacional de Cuba: head office code versus branch codes

We have 3 SWIFT/BIC codes for Banco Nacional de Cuba. Next to the head office code BNACCUHHXXX, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use BNACCUHHXXX or its short form BNACCUHH. A branch code only makes sense if the recipient’s bank explicitly mentions it.

The safest approach is to take the code directly from the recipient’s statement. Codes are sometimes changed or retired when banks reorganise.

A note on our data

The codes on this page come from public sources which we refresh regularly. Even so, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our own dataset.

Treat the information on this page as a helpful check. We are a comparison service and not affiliated with Banco Nacional de Cuba. If you notice a mistake, we appreciate a short note via the contact page.

International transfers from Banco Nacional de Cuba: the real cost

An international bank payment costs more than the fee suggests. Besides the transfer fee, banks in between may take a cut, and if currencies are converted, the bank usually applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the biggest item even though it is not listed as a fee. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently offer rates closer to the mid-market rate with clearer fees. GoldexPay compares what recipients receive across services, so you can pick the cheapest route. You can still keep your account at Banco Nacional de Cuba to fund the transfer.