Hellenic Bank Public Company LTD. SWIFT/BIC code

SWIFT/BIC code of Hellenic Bank Public Company LTD.

HEBACY2N and HEBACY2NXXX are two ways of writing the same bank identifier, and both point to Hellenic Bank Public Company LTD. in Nicosia (Lefkosia). A BIC has a single purpose: it ensures that a cross-border transfer reaches the right bank. In daily life you usually see it on international invoices, in payment forms and in the bank details that Hellenic Bank Public Company LTD. provides.

On this page you will find what the code is put together, when it matters and what else a transfer to or from Hellenic Bank Public Company LTD. requires. The SWIFT code on its own cannot identify an individual account holder; that is what the account number or IBAN .

What to give a sender who pays you at Hellenic Bank Public Company LTD.

For an international payment into your account at Hellenic Bank Public Company LTD., the person paying you has to have more than the SWIFT code. The basics are: your name, IBAN or account number, HEBACY2NXXX or HEBACY2N and, for some countries, your postal address.

You can add Hellenic Bank Public Company LTD. and Nicosia (Lefkosia) too. Check the details before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. On invoices, it is common to agree who bears the costs.

What a transfer from Hellenic Bank Public Company LTD. abroad really costs

What you pay for an international transfer is made up of more than one component. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

Banks rarely list the margin on the rate separately. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay you can compare what recipients receive across providers, which makes the cheapest option easy to spot. You can still keep your account at Hellenic Bank Public Company LTD. to fund the transfer.

Choosing between the 6 SWIFT codes of Hellenic Bank Public Company LTD.

Having 6 codes, Hellenic Bank Public Company LTD. is one of the banks that register separate codes for branches and departments. The main code is HEBACY2NXXX.

For the vast majority of incoming transfers, the head office code HEBACY2NXXX works fine. Branch codes are only needed if the account holder explicitly asks for it.

The best way is to take the code straight from the account holder’s invoice. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

The Euro and what conversion costs you

The national currency of Cyprus is the Euro (EUR). When you pay money in a different currency it gets converted somewhere along the way: by your bank, an intermediary or Hellenic Bank Public Company LTD. itself. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who converts the payment makes a difference: every bank has its own margin. Check how much EUR the recipient gets with several providers.

The rate for EUR changes constantly. With bigger transfers, even small gap in the rate adds up quickly.

Changed bank details? Be careful

A common scam goes like this: you receive a message claiming that a contact now has new bank details and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Do not rely on a phone number in the same message that announces the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent more than agreed and wants you to refund the difference to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Why Hellenic Bank Public Company LTD. has an 8- and an 11-character code

A BIC is built from fixed blocks: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. Together, those parts form HEBACY2N – the version you usually see online.

XXX at the end of HEBACY2NXXX does not stand for a placeholder or a mistake: it stands for the head office of Hellenic Bank Public Company LTD.. Certain payment forms insist on 11 characters, in which case you simply add XXX behind HEBACY2N.

In practice the code is typed in capitals and without spaces. A single letter may route the money to a different institution, so check it twice.

Before you send: check the Hellenic Bank Public Company LTD. code

The most reliable place for the correct BIC is paperwork issued by the bank. When the code you were given does not match HEBACY2N or HEBACY2NXXX, stop and ask – contact the recipient or Hellenic Bank Public Company LTD..

Mistakes in the SWIFT code are annoying rather than fatal. Remember the IBAN: an error there can be harder to undo than a wrong code.

An automatic check by your bank only tells you that the IBAN is valid. If your bank offers it, a name check before sending gives an extra layer of safety. When you pay someone new, many people send a small test amount.

How long does an international transfer to Hellenic Bank Public Company LTD. take?

How fast a payment reaches Hellenic Bank Public Company LTD. depends on a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made after the cut-off time or on a weekend or public holiday usually start a business day later. Sometimes a bank wants to know what the payment is for, which can hold things up.

If a transfer seems delayed, contact the sending bank for the status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt.

If a payment has not arrived after a few business days, the sender needs to contact their own bank. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Euro transfers to Hellenic Bank Public Company LTD.: is a BIC needed?

Cyprus is part of the SEPA area, where euro transfers follow common rules. For a regular euro transfer within SEPA, you normally only need the IBAN.

You still need HEBACY2NXXX for non-euro payments or transfers from countries outside SEPA. If your banking app asks for the BIC regardless, adding HEBACY2N does no harm.

Instant euro transfers have become widely available across SEPA; check with Hellenic Bank Public Company LTD. whether it applies to your account. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

How up to date is this code?

We collect SWIFT/BIC codes from public sources and check them regularly. It is possible that a code here is out of date. Counts and locations come from our own dataset and may differ from what Hellenic Bank Public Company LTD. publishes.

For any payment that matters, check the BIC with the recipient’s bank or with the recipient. GoldexPay has no connection to Hellenic Bank Public Company LTD.; we are a comparison site for money transfers. Should you notice a mistake, we welcome a short note.