Firstcaribbean International Bank (Cayman LTD) Curacao Branch SWIFT/BIC code

FCIBCWCD – the SWIFT/BIC code of Firstcaribbean International Bank (Cayman LTD) Curacao Branch

FCIBCWCD and FCIBCWCDXXX are two spellings of the same SWIFT/BIC code, and both lead to Firstcaribbean International Bank (Cayman LTD) Curacao Branch in Willemstad. A SWIFT code shows the sending bank which institution 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 payment forms and in the bank details of Firstcaribbean International Bank (Cayman LTD) Curacao Branch customers.

Below we go through the practical questions: receiving money at Firstcaribbean International Bank (Cayman LTD) Curacao Branch, sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code identifies an institution, not a single account, which is why you always need the account number too.

Which of the 2 codes of Firstcaribbean International Bank (Cayman LTD) Curacao Branch do you need?

Firstcaribbean International Bank (Cayman LTD) Curacao Branch has 2 different SWIFT/BIC codes. One of them is the head office code; the others belong to branches or departments.

If nobody asks you for a branch code, use FCIBCWCDXXX or its short form FCIBCWCD. If you have been given a branch code, stick to it rather than swapping it for the head office code.

The best way is to copy the code directly from the recipient’s invoice. Codes can change when banks reorganise, so a code from an old document is not always valid.

Tracking a transfer to or from Firstcaribbean International Bank (Cayman LTD) Curacao Branch

A SWIFT payment typically takes anywhere from one to several business days. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments may also cause some delay.

If a transfer seems delayed, ask the sending bank for the tracking status and the transaction reference so they can trace it along the chain. Save your transfer receipt.

A delayed transfer is investigated by the sending bank, using the payment confirmation. As a recipient, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a request claiming that a supplier now has a new bank account and asking you to pay there from now on. That FCIBCWCD is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Before paying, confirm changed bank details through a phone call on a number you know, not one from the message. Urgency and secrecy are warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer proves nothing.

What the XXX in FCIBCWCDXXX means

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code. For Firstcaribbean International Bank (Cayman LTD) Curacao Branch, the 8-character core is FCIBCWCD.

Most banks and apps work with either length. If yours asks for eleven characters, enter FCIBCWCDXXX.

As a rule the code is written in capitals and without spaces. Pasting the code is safer than retyping it.

About this information

The codes here come from public sources that we update regularly. Banks reorganise, close branches and change codes, and a directory never catches every change immediately. The number of codes we show are based on what is in our directory.

Treat the information here as a handy check and rely on the recipient or Firstcaribbean International Bank (Cayman LTD) Curacao Branch for the final confirmation. We are a comparison site and not affiliated with Firstcaribbean International Bank (Cayman LTD) Curacao Branch. If you notice a mistake, we appreciate a short note.

What a transfer from Firstcaribbean International Bank (Cayman LTD) Curacao Branch abroad really costs

An international bank payment costs rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency, the bank usually uses a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a bank – mostly thanks to the rate. Before your next transfer, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Firstcaribbean International Bank (Cayman LTD) Curacao Branch – you pay the provider from your own account.

How to check FCIBCWCD before you pay

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. Compare that code against FCIBCWCD here and ask if anything does not match.

With a wrong code, the transfer might be delayed, bounce back or cost extra – sometimes after weeks of searching. An error in the account number is more serious, so check that just as carefully.

A format check by your bank merely tells you that the code is valid. More and more banks check the name with the account before you confirm. A small test payment is a sensible step for a large first payment despite the extra fee.

Incoming international payments to Firstcaribbean International Bank (Cayman LTD) Curacao Branch

When you are waiting for money from abroad, give the sender a complete set of details. In practice that means: your full name as registered with Firstcaribbean International Bank (Cayman LTD) Curacao Branch, your account number or IBAN, the SWIFT/BIC code FCIBCWCDXXX (or FCIBCWCD) and usually your address.

Their bank may also ask for the address of your bank, in which case the Willemstad head office is the usual answer. A mistake in the IBAN can be harder to fix than you might think.

Money from abroad will not always arrive for the full amount. Correspondent banks can take a fee, and when currencies differ, a markup on the rate comes on top. For business payments, it is common to agree how the fees are split, so that nobody is left short.