Societe Generale Ghana Limited SWIFT/BIC code

Societe Generale Ghana Limited SWIFT code: SSEBGHAC

Whether a recipient gives you SSEBGHAC or SSEBGHACXXX, you are looking at the identical address for Societe Generale Ghana Limited in Ghana. A BIC has a single purpose: it makes sure that money from abroad ends up at the right bank. In daily life you mostly see the code on invoices from abroad, in your banking app and on the account details of Societe Generale Ghana Limited customers.

On this page we explain how the code is put together, when it matters and what else you need for a transfer to or from Societe Generale Ghana Limited. The BIC identifies an institution, not a single account; the IBAN or account number does that.

Societe Generale Ghana Limited: head office code versus branch codes

Our database contains 3 SWIFT/BIC codes for Societe Generale Ghana Limited, spread over 3 cities. Next to the head office code SSEBGHACXXX, there are codes for individual branches and departments.

Usually there is no need to look up a branch: payments sent to SSEBGHACXXX reach Societe Generale Ghana Limited correctly. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more likely to change than SSEBGHACXXX when a bank merges or closes offices.

How to check SSEBGHAC before you pay

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given differs from SSEBGHAC or SSEBGHACXXX, stop and ask – contact the recipient or Societe Generale Ghana Limited.

Mistakes in the SWIFT code tend to be costly rather than disastrous – usually the money comes back, minus fees and time lost. An error in the account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now compare the payee name with the account before you confirm. When you pay someone new, many people send a small amount first and wait for confirmation.

Watch out for payment fraud

Criminals often send payment requests with changed bank details sent from what looks like a familiar address. That SSEBGHAC is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Always verify a change of bank details through a phone call on a number you know, not one from the message. Pressure and secrecy are warning signs; a genuine business can wait for you to check. Acted too fast? Call your bank without delay and ask them to start a recall and report the fraud.

Fraud can also work the other way. Someone sends more than agreed and wants you to refund the extra to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Receiving money from abroad at Societe Generale Ghana Limited

Someone abroad who wants to pay you needs several details from you – incomplete details often cause delays. The basics are: the account holder’s name, account number or IBAN, SSEBGHACXXX and, for some countries, your postal address.

You can add Societe Generale Ghana Limited and its city as well, because some payment forms have separate fields for them. Double-check the details before you share them.

What lands in your account can be lower than the amount sent. Fees for incoming transfers vary from bank to bank; check the price list of Societe Generale Ghana Limited. On invoices, you can agree how the fees are split, so that nobody is left short.

When will the money arrive at Societe Generale Ghana Limited?

A SWIFT payment typically takes anywhere from one to several business days. Transfers sent after the cut-off time or just before weekends and holidays often start the next business day. Sometimes a bank wants to know what the payment is for.

If the money seems delayed, contact the sending bank for the status or the UETR. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

A delayed transfer has to be traced by the sending bank. As a recipient, you can check your account to see a partial amount, since fees may have been deducted.

A note on our data

The codes here come from public sources that we update regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes come from our directory and are not confirmed by Societe Generale Ghana Limited.

For any payment that matters, confirm the BIC with Societe Generale Ghana Limited or the recipient. GoldexPay is not affiliated with Societe Generale Ghana Limited, we only compare transfer services. If you notice a mistake, we welcome a short note.

What a transfer from Societe Generale Ghana Limited abroad really costs

A bank transfer abroad costs more than the listed fee. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

Many banks rarely show the margin on the rate separately – you only notice it if you compare. An easy check: put the rate you get against the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares what recipients receive with different services. You can still keep your account at Societe Generale Ghana Limited, while a cheaper service handles the conversion.

8 or 11 characters: SSEBGHAC versus SSEBGHACXXX

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code. That gives you SSEBGHAC for Societe Generale Ghana Limited.

The full version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, so SSEBGHACXXX and SSEBGHAC are interchangeable.

As a rule the code is typed in capitals. Look out for O versus 0 or I versus 1, a common source of typos.