Banco del Pacifico SWIFT/BIC code

What PACIECEG means for a payment to Banco del Pacifico

The 8-character code PACIECEG and the full code PACIECEGXXX refer to the same bank: Banco del Pacifico. A BIC does one job: it ensures that a cross-border transfer reaches the right bank. It comes up mainly for transfers between countries.

This page is meant to help people who pays into an account at Banco del Pacifico and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

International transfers from Banco del Pacifico: the real cost

If you send money to another country from Banco del Pacifico, the visible fee is rarely all of the cost. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted the bank often applies a rate that is less favourable than the real market rate.

Banks rarely list their exchange rate markup separately – you only notice it if you compare. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute to compare what arrives on GoldexPay. Choosing a specialist does not mean closing your account at Banco del Pacifico – you pay the provider from your own account.

Verifying the SWIFT code of Banco del Pacifico

The best place to find the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have does not match PACIECEG or PACIECEGXXX, stop and ask – contact the recipient or Banco del Pacifico.

A wrong SWIFT code may lead to delays, a returned payment or additional charges. Do not forget the IBAN: an error there is more difficult to correct than a wrong code.

Many banking apps check the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check on the recipient gives an extra layer of safety. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

Why Banco del Pacifico has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. Together, those parts form PACIECEG, the code most people search for.

The 11-character version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, so PACIECEGXXX and PACIECEG are interchangeable.

Type the code as one block, in upper case and without separators, exactly as shown here. Copying the code is safer than retyping it.

Receiving money from abroad at Banco del Pacifico

To receive an international payment at Banco del Pacifico, the person paying you has to have not just the SWIFT code. What they need is: the account holder’s name, account number or IBAN, PACIECEGXXX and in many cases your home address.

Some sending banks also ask for the name and address of Banco del Pacifico, so keep it at hand. A mistake in your account number can be more trouble than it looks.

What lands in your account is often less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. For business payments, you can agree how the fees are split.

About this information

This directory draws on publicly available sources and we update it periodically. Banks merge, change names and retire codes, and a directory never catches every change immediately. Counts and locations come from our own dataset and may differ from what Banco del Pacifico publishes.

See the information on this page as a handy check. GoldexPay has no connection to Banco del Pacifico; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.

The US Dollar and what conversion costs you

Ecuador uses the US Dollar. When you pay another currency it gets converted at some point – by your bank, by Banco del Pacifico or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Who converts the payment matters. Sending the amount already in USD usually avoids an extra conversion.

The USD rate changes constantly, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate can be worth more than the fee.

Watch out for payment fraud

Stay alert when someone unexpectedly wants you to send money to a different account abroad. A correct SWIFT code says nothing about whether the request is genuine.

Verify changed payment details via a separate channel like a call to a number from an earlier contract, not by replying to the message. Urgency or secrecy are warning signs; a genuine business can wait for you to check. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment; also report it to the police.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference. A screenshot of a transfer is no proof – check your own account.

When will the money arrive at Banco del Pacifico?

There is no single answer for every transfer: many land within a day while others need several business days. Transfers sent late in the day or just before a weekend or public holiday often start a business day later. Extra checks by one of the banks may also cause some delay.

If a transfer seems late, contact your bank about the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services often show tracking online showing where the payment is.

If the money does not arrive within the expected time, the sender needs to start with their own bank, not the receiving bank. As a recipient, it helps to look at your account for a slightly lower amount, since fees may have been deducted.

Which of the 13 codes of Banco del Pacifico do you need?

Our directory lists 13 SWIFT/BIC codes for Banco del Pacifico. Besides the head office code PACIECEGXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use PACIECEGXXX. Just use a branch code when the account holder explicitly asks for it.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise, so do not rely on old paperwork.