SWIFT/BIC codes in Djibouti

Djibouti: banks and their SWIFT/BIC codes

In Djibouti our database holds 13 SWIFT/BIC codes, spread over 12 banks. You need a SWIFT/BIC code mostly for international transfers.

Select the bank below to see the head office code and any branch codes along with tips for payments to and from that bank. Further down you can read how a code from Djibouti is put together, how to send money there without overpaying and how to check a code before you pay.

Verifying a SWIFT code from Djibouti

Have the recipient send you their bank details straight from their banking app. An incorrect BIC can cause a delay, a returned payment or extra fees.

We gather bank codes from publicly available data and update them regularly. Institutions reorganise, close branches and retire codes. For a payment of any size, check the BIC with the recipient’s bank. GoldexPay is not a bank and has no link to the banks in this list.

Be wary of invoices containing a new account – a common fraud method. A real SWIFT code says nothing about who owns the account – scammers use the codes of real banks.

International payments to Djibouti and the BIC

Because Djibouti is outside SEPA, a transfer from abroad normally goes as a SWIFT payment. This means the payment always needs the SWIFT/BIC code of the recipient’s bank, together with the account number or IBAN.

Depending on the country, the account is identified by a local account number rather than an IBAN and sometimes a local routing or branch code. Ask the recipient which details their bank requires for payments from abroad; banks often publish instructions for this. Before it arrives, a transfer may go through correspondent banks.

Tracking a payment to Djibouti

There is no fixed answer for payments to Djibouti: some land the same day or the next, others take several business days. Public holidays in Djibouti or in the sending country can add a day or more to the journey.

If the money is late, the sender should contact the sending bank; only the sending side can start an official trace. Money transfer services usually provide a status online.

Bank or transfer service for Djibouti?

When you send money to Djibouti through a regular bank, the stated fee is only part of the cost. On top of a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank often applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee. A simple test: put the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a bank. GoldexPay lists these providers side by side so you can see what actually arrives in Djibouti for the same amount sent.

The structure of a Djibouti SWIFT/BIC code

SWIFT/BIC codes use the same format worldwide: 8 characters, sometimes followed by three more. Characters one to four identify the bank, characters five and six are the country code and the next two give the location.

No matter which bank, every code from Djibouti have the same fifth and sixth letters, namely the ISO code of Djibouti. A code with other letters in that position belong to a bank abroad, even if the bank name looks familiar.

If the last three are XXX, it means the main office and the short version works just as well. Choose a branch code only if the recipient explicitly gives you one – otherwise stick with the head office.

What a sender needs to pay you in Djibouti

If you expect money from abroad in Djibouti, give the sender a complete set of details. Give them your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

Find the bank in the list on this page and compare the code with your own bank details – your bank statement is the final word. Some banks also want the name and address of your bank.

The amount you receive can be less than the amount sent. Fees for incoming transfers differ from bank to bank. On invoices, state how the fees are split, so nobody is left short.

Which bank in Djibouti has the most codes?

Banque Centrale de Djibouti leads our list for Djibouti when it comes to the number of SWIFT/BIC codes. The head office uses BCDJDJJDXXX – the code most transfers need.

Practice differs in how many codes they register – a high count is not a measure of size. If not a branch code is given, BCDJDJJDXXX is fine for transfers to this bank.