Cal Bank Limited SWIFT/BIC code

SWIFT/BIC code of Cal Bank Limited

Whether a recipient gives you ACCCGHAC or ACCCGHACXXX, you are looking at the identical identifier for Cal Bank Limited in Ghana. A BIC does one job: it ensures that money from abroad ends up at the right bank. You will need it mostly when dealing with payments that cross a border.

We wrote this page to help people who receives money at an account at Cal Bank Limited. The BIC identifies an institution, never a specific account.

Sending money abroad from Cal Bank Limited

If you transfer money to another country through Cal Bank Limited, the visible fee is rarely all of what you pay. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup if the currency changes.

Banks do not list the margin on the rate separately, but you pay it all the same. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often offer a rate near the mid-market rate with clearer fees. GoldexPay lists these services next to each other so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not require leaving Cal Bank Limited: you simply pay the service from your account.

When will the money arrive at Cal Bank Limited?

An international transfer usually needs anywhere from one to several business days. Payments made after the cut-off time or just before a weekend or public holiday usually start a business day later. Extra checks by one of the banks may also add some delay, even when all details are correct.

When a payment takes longer than expected, ask your bank for the tracking status so they can trace it along the chain. Specialist transfer services usually provide a status in their app so you can see how far the payment has got.

The bank that sent the money is able to start an official trace. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Watch out for payment fraud

One of the most common tricks works like this: an email arrives with a message saying that a company now has a new bank account and that the next payment should go there. The fact that ACCCGHAC exists is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Do not rely on contact details in the same message that contains the new account. Watch out for time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from straight away and ask them to try to recall the payment.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference. A payment confirmation from the sender proves nothing – check your own account.

Is ACCCGHAC still correct? How to check

The most reliable place for the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. Compare it with ACCCGHAC here.

An incorrect BIC can cause a delay, a payment being sent back or additional charges for investigation. An error in the account number is a bigger problem because it can reach the wrong person, so check that just as carefully.

An automatic check by your bank merely tells you that the code is valid. Some banks now check the payee name against the account. A small test payment is worth it for a large first payment.

What to give a sender who pays you at Cal Bank Limited

When you expect money from abroad, send the payer a complete set of details. In practice that means: your full name as registered with Cal Bank Limited, your IBAN or account number, the SWIFT/BIC code ACCCGHACXXX and sometimes your postal address.

It helps to add Cal Bank Limited and Accra too, since some forms ask for it. A typo in your account number is more trouble than you might think.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, Cal Bank Limited may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

How up to date is this code?

We collect bank codes using publicly available data and check our list from time to time. Institutions merge, close branches and retire codes – a directory can be a step behind. The number of codes on this page are based on what is in our directory and not on information from Cal Bank Limited itself.

For a payment of any size, check the code with Cal Bank Limited or with the recipient. We are a comparison site and not affiliated with Cal Bank Limited. Spotted an error? Tell us via our contact form and we will look into it.

What the XXX in ACCCGHACXXX means

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location, plus an optional branch code. Combined, these eight characters form ACCCGHAC, the code most people search for.

The full version has three more characters for a branch or department. When those three characters are XXX, they simply mean the head office, so ACCCGHACXXX and ACCCGHAC are interchangeable.

Type the code in one piece, in upper case and without spaces, exactly as shown here. A wrong character may route the money to a different institution, so check it twice.

Cal Bank Limited: head office code versus branch codes

Cal Bank Limited has 2 separate SWIFT/BIC codes across 1 locations. Only one is the head office code; the others identify branches, and sometimes internal departments.

If nobody asks you for a branch code, use ACCCGHACXXX or its short form ACCCGHAC. If you have been given a specific code, use it as it is instead of replacing it with the head office code.

Not sure which code applies? Check with the recipient. Codes can change when banks reorganise.