SWIFT/BIC codes in Gambia

Gambia: banks and their SWIFT/BIC codes

On this page you find codes for 24 institutions in Gambia – 24 codes altogether. Every code points to an institution or a specific branch or department and tells other banks where an international payment should go.

Look for the bank you need in the list and open its page to see all codes we have and the details a transfer needs. Below the list you can read how codes from Gambia are built, how to send money to Gambia without overpaying and what to check before you pay.

Tracking a payment to Gambia

How quickly a payment arrives in Gambia is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country add a day or more to the journey.

If the money seems delayed, ask the sender to contact the sending bank for a trace. Keep the payment confirmation until the recipient confirms; a bank needs it to start a trace.

Access Bank Gambia and its SWIFT codes

Of all banks we list for Gambia, Access Bank Gambia is listed with the largest number of SWIFT codes. The head office uses ACGAGMGFXXX.

A large number of codes often reflects separate codes for branches, departments or services. If not a branch code is given, ACGAGMGFXXX is fine for transfers to this bank.

Getting paid from abroad into an account in Gambia

Someone abroad who wants to pay you needs several details about your account. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Find your bank in the list above to check its code. You can add the name and city of your bank because some forms have separate fields for it.

The amount you receive is often less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. For business payments, agree how the fees are split, so nobody is left short.

Recognising a SWIFT code from Gambia

Bank identifier codes use the same format worldwide: 8 characters plus an optional three-character extension. It starts with a four-letter bank code, followed by two letters for the country and a two-character location code.

For banks in Gambia, characters five and six are the ISO country code of Gambia, which makes these codes easy to recognise. When those two letters point to another country, you are looking at a bank in another country – worth double-checking.

The long version adds three characters for a branch – XXX stands for the head office. For most transfers the head office code is fine unless the recipient asks for a specific branch.

Bank or transfer service for Gambia?

The price of a transfer to Gambia is made up of more than one component. You pay a transfer fee, sometimes fees from correspondent banks and, above all, the exchange rate markup.

The real cost is often in the rate. Check the rate you are offered with the mid-market rate, the midpoint you see on financial news sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider turns out to be cheaper than a traditional bank transfer. On GoldexPay we compare what recipients in Gambia receive across services.

Paying a bank in Gambia from abroad

Because Gambia is outside SEPA, an international payment normally goes through SWIFT. This means the payment always needs the BIC of the recipient’s bank in addition to the account details.

Not every country uses the IBAN. The recipient’s bank usually provides instructions for incoming international payments, and it is worth following them to the letter. International transfers sometimes go via correspondent banks and fees can be taken along the way.

How reliable is this list?

Ask the recipient to send you their bank details directly from a recent statement. An incorrect BIC can cause a delay, a payment being sent back or additional charges, so compare it with the list on this page.

This list is compiled from publicly available sources and is updated regularly. Banks merge, change names and change codes, and no directory catches every change immediately. Before a payment that matters, check the BIC with the recipient’s bank. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Watch out for payment requests with a new account – a common fraud method. A valid BIC tells you nothing about who owns the account.