Agricultural Development Bank SWIFT/BIC code

ADNTGHAC – the SWIFT/BIC code of Agricultural Development Bank

The short code ADNTGHAC and the 11-character code ADNTGHACXXX identify the same bank: Agricultural Development Bank, with its head office in Accra. A SWIFT code tells the sending bank which institution is meant to get the money. In daily life you usually come across it on invoices from abroad, in your banking app and on the account details that Agricultural Development Bank provides.

Further down you will find the practical side: receiving money at Agricultural Development Bank, paying someone in another country and how to check the code before you confirm a payment. The BIC names an institution, never a specific account.

How long does an international transfer to Agricultural Development Bank take?

How quickly a transfer arrives at Agricultural Development Bank is determined by a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country add extra days to the journey. Extra checks on larger or unusual payments may also add some delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank about the status or the UETR; with that reference banks can see where the payment is. Specialist transfer services usually provide a status in their app so you can see how far the payment is.

A delayed transfer is investigated from the sending side, using the payment confirmation. On the receiving end, you can check your statements to see a partial amount.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a request saying that a contact has new bank details and that the next payment should go there. The fact that ADNTGHAC exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Do not rely on a phone number in the same message that contains the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them start a recall and report the fraud.

Fraud also work the other way. Someone claims to have sent more than agreed and wants you to return the extra to a new account. A payment confirmation from the sender is no proof.

Getting paid from abroad into a Agricultural Development Bank account

To receive an international payment into your account at Agricultural Development Bank, the sender has to have not just the SWIFT code. That means: your name as registered with Agricultural Development Bank, your account number or IBAN, the BIC ADNTGHACXXX (or ADNTGHAC) and sometimes your postal address.

Their bank might request the bank address of Agricultural Development Bank; the head office in Accra is usually fine. Check each detail before you send them.

An incoming payment will not always land for the full amount. Fees for incoming transfers differ per bank – the price list of Agricultural Development Bank tells you what applies. Agree with the sender who pays which costs.

Where our SWIFT data comes from

We gather SWIFT/BIC codes using public sources and check them regularly. It can happen that information on this page is out of date. The number of codes on this page reflect our own data and not on information from Agricultural Development Bank itself.

See our directory here as a handy check, and let the details from the recipient or Agricultural Development Bank have the final say. We are an independent comparison site and not affiliated with Agricultural Development Bank. Should you notice a mistake, we welcome a short note via the contact page.

Which of the 9 codes of Agricultural Development Bank do you need?

Agricultural Development Bank has 9 different SWIFT/BIC codes. One of them is the head office code; the rest belong to branches or departments.

Unless the recipient tells you otherwise, use ADNTGHACXXX or its short form ADNTGHAC. Branch codes are only needed when the recipient’s bank specifically asks for it, which is more common for corporate accounts and trade services.

The best way is to copy the code directly from the account holder’s statement. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Sending money abroad from Agricultural Development Bank

An international bank payment costs rather more than the listed fee. There is the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate that includes a margin. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate. Next time you send money, it is worth to compare what arrives via GoldexPay instead of going straight to your bank. You can always keep your account at Agricultural Development Bank to fund the transfer; only the conversion and sending happen elsewhere.

How to check ADNTGHAC before you pay

The best place to find the right code remains a document from the bank itself, such as a statement or the account details in online banking. Compare that code against ADNTGHAC on this page and ask if anything does not match.

With a wrong code, the transfer may get stuck, bounce back or cost extra – sometimes after weeks of searching. Remember the account number: an error there can be harder to undo than a wrong BIC.

Many banking apps validate the structure of IBANs and some suggest the matching BIC. Some banks now check the name with the account before you confirm; take any warning seriously. For a first payment, some people send a small amount first and wait for confirmation.

8 or 11 characters: ADNTGHAC versus ADNTGHACXXX

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, characters five and six give the country and the two after that mark the location. Combined, those parts make up ADNTGHAC, the code most people search for.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office.

In practice the code is written in capitals. Look out for the letter O and the digit 0 or I versus 1.