SWIFT/BIC codes in Curaçao

Bank SWIFT codes for Curaçao

On this page you find the SWIFT/BIC codes of 46 institutions in Curaçao – 48 codes altogether. Every code points to an institution or one of its branches.

Choose a bank below to view the head office code and its other codes. Below the list we explain how codes from Curaçao are built, how to send money to Curaçao without overpaying and how to check a code before you pay.

Which bank in Curaçao has the most codes?

Citco Banking Corporation N.V. leads our list of Curaçao banks when it comes to SWIFT/BIC codes. The head office uses CITCCWCUXXX – the code most transfers need.

A large number of codes usually reflects that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Unless the recipient asks for a branch, CITCCWCUXXX is fine for transfers to this bank.

Getting paid from abroad into an account in Curaçao

Someone abroad who wants to pay you will ask for a few details about your account – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC of your bank and, often, your postal address.

Find the bank in the list above, but take the code from your own bank details when in doubt. It helps to include the name and city of your bank, since some payment forms ask for it.

The amount you receive is often lower than what was sent. Charges on incoming payments vary per bank. Make clear with the sender who pays which costs before the money is sent.

Paying a bank in Curaçao from abroad

Curaçao is outside the SEPA area, the European zone for uniform euro payments. Payments from abroad usually travel over the SWIFT network.

Not all countries use IBAN numbers. The receiving bank often has instructions for payments from abroad. International transfers sometimes go via correspondent banks and fees can be taken along the way.

Bank or transfer service for Curaçao?

If you send money to Curaçao through a regular bank, the stated fee is only part of what you pay. On top of a fixed fee, intermediary banks may take a cut and, if currencies are converted, the bank often applies a rate below the actual market rate.

That exchange rate margin is often the largest part of the cost, even though it is not listed as a fee. Check the rate you are offered against the mid-market rate.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. GoldexPay compares what recipients in Curaçao receive with different providers, which makes the cheapest option easy to spot.

Transfer times to Curaçao

How fast a payment reaches Curaçao is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Bank holidays in either country can add a day or more, because banks do not process payments on those days.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR. Keep your transfer receipt until the money has arrived.

Recognising a SWIFT code from Curaçao

A SWIFT code is 8 or 11 characters long and follows a fixed pattern. It starts with a four-letter bank code, then two letters for the country and two characters for the location.

You can spot a code from Curaçao by the fifth and sixth characters: they always show the ISO country code of Curaçao. A code with a different country code come from another country, even if the bank name looks familiar.

The last three characters, if present, identify a branch or department; XXX is used for the head office. For most transfers the head office code is what you need.

How reliable is this list?

The safest source for a SWIFT code is the bank details provided by the recipient. When the code you were given does not match our list, stop and ask – contact the recipient or their bank.

This list draws on public sources and is updated regularly. Institutions reorganise, change names and retire codes, and no directory catches every change immediately. Use our data as a starting point, not as the final word; the recipient’s bank details are leading. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Fraudsters regularly send fake invoices carrying new bank details. A valid BIC says nothing about whether a request is genuine – scammers use the codes of real banks.