National Bank of Greece (Cyprus) LTD. SWIFT/BIC code

ETHNCY2N – the SWIFT/BIC code of National Bank of Greece (Cyprus) LTD.

The short code ETHNCY2N and the full code ETHNCY2NXXX refer to the same bank: National Bank of Greece (Cyprus) LTD. in Nicosia (Lefkosia), Cyprus. A SWIFT code tells the sending bank which institution should receive the money. You will need it mainly when dealing with payments that cross a border or a currency.

On this page you will find what the code means, when you need it and what else a transfer to or from National Bank of Greece (Cyprus) LTD. requires. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Receiving money from abroad at National Bank of Greece (Cyprus) LTD.

To receive a transfer from abroad at National Bank of Greece (Cyprus) LTD., the person paying you has to have not just the BIC. The basics are: the account holder’s name, IBAN or account number, ETHNCY2NXXX or ETHNCY2N and often your home address.

The sender’s bank might also ask for the bank address of National Bank of Greece (Cyprus) LTD.. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be lower than the amount sent. Charges on incoming payments vary per bank; check the price list of National Bank of Greece (Cyprus) LTD.. On invoices, it is common to state who bears the costs to avoid a shortfall.

Verifying the SWIFT code of National Bank of Greece (Cyprus) LTD.

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. Check it against ETHNCY2N here and ask if anything does not match.

If the code is wrong, the transfer might get stuck, bounce back or cost extra. Do not forget the account number: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending adds extra certainty. When you pay someone new, some people send a small test amount and wait for confirmation.

The Euro and what conversion costs you

Cyprus uses the Euro, with the currency code EUR. If you send another currency it gets converted somewhere along the way. There is rarely a separate charge for the conversion; it is built into the rate.

Who converts the money matters: every bank has its own margin. Transferring the money already in EUR usually prevents an extra conversion, provided the rate you get is fair.

Rates for EUR change all the time, and some providers let you lock in a rate. On larger amounts, even small difference in the rate can be worth more than the fee.

8 or 11 characters: ETHNCY2N versus ETHNCY2NXXX

A BIC is made up of fixed blocks: the first four letters identify the bank, the next two show the country and characters seven and eight indicate the location. In this case, the 8-character core is ETHNCY2N.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why ETHNCY2NXXX and ETHNCY2N lead to the same place.

Leave out spaces or dashes when you type ETHNCY2N; the code is always written in one block. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Which of the 18 codes of National Bank of Greece (Cyprus) LTD. do you need?

National Bank of Greece (Cyprus) LTD. has 18 separate SWIFT/BIC codes across 6 locations. Only one is the head office code, ETHNCY2NXXX; the others identify branches, and sometimes internal departments.

For most incoming transfers, the head office code ETHNCY2NXXX is what you need. If you have been given a branch code, stick to it instead of replacing it with the head office code.

The best way is to take the code straight from the account holder’s bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

Scams that use SWIFT codes

Be alert if a contact suddenly asks you to send money to another account or a bank in another country. That ETHNCY2N is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Verify changed bank details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Watch out for time pressure, unusual wording or an email address that differs by one letter. If money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference. A payment confirmation from the sender is no proof – check your own account.

A note on our data

The codes here are taken from public sources. It is possible that information here is no longer current. Counts and locations are from our directory and may differ from what National Bank of Greece (Cyprus) LTD. publishes.

Treat the information here as a helpful check, and let the details from the recipient or National Bank of Greece (Cyprus) LTD. have the final say. GoldexPay is independent of National Bank of Greece (Cyprus) LTD.. Found an error? Let us know through the contact page and we will look into it.

Paying someone abroad from your National Bank of Greece (Cyprus) LTD. account

If you transfer money abroad through National Bank of Greece (Cyprus) LTD., the visible fee is rarely all of the cost. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, 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, not in the fee: many banks convert at a rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider is less expensive than a bank. On GoldexPay we compare what recipients receive with different providers, so you can pick the cheapest route. Using a transfer service does not require leaving National Bank of Greece (Cyprus) LTD.: you simply pay the service from your account.

SEPA payments and the National Bank of Greece (Cyprus) LTD. BIC

Since Cyprus is part of SEPA, a euro transfer into National Bank of Greece (Cyprus) LTD. from another SEPA country usually requires just an IBAN. Many banks do not require the BIC in that case.

You will still need ETHNCY2NXXX for payments in other currencies or money from outside the SEPA area. A few forms also ask for the BIC; in that case, fill in ETHNCY2N or ETHNCY2NXXX.

Instant euro transfers have become widely supported across SEPA – whether National Bank of Greece (Cyprus) LTD. offers them for your account is worth checking. Charges on SEPA transfers tend to be low as long as everything stays in euros.

How long does an international transfer to National Bank of Greece (Cyprus) LTD. take?

How quickly a transfer reaches National Bank of Greece (Cyprus) LTD. depends on a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Weekends and public holidays in either country add extra days to the journey. Extra checks by one of the banks may also cause some delay, regardless of the details.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the money has arrived – you will need it for any trace request.

If the money does not arrive within the expected time, the sender should contact the bank that sent it rather than National Bank of Greece (Cyprus) LTD.. Ask the sender for the payment receipt with the date and reference – it helps your own bank look for the money.