Standard Chartered Bank Ghana Limited SWIFT/BIC code

Standard Chartered Bank Ghana Limited SWIFT code: SCBLGHAC

SCBLGHAC and SCBLGHACXXX are the short and the long form of the same bank identifier, and both lead to Standard Chartered Bank Ghana Limited in Accra. A SWIFT code shows the sending bank which institution should receive the money, much like a postcode for banks. In practice you usually see it on international invoices, in your banking app and in the bank details that Standard Chartered Bank Ghana Limited provides.

Further down we go through the practical questions: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you confirm a payment. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

What to give a sender who pays you at Standard Chartered Bank Ghana Limited

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. Share your name as the bank knows it, the IBAN or account number, the BIC SCBLGHACXXX and your address, which some banks require.

You can include the bank name and Accra too. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

Before you send: check the Standard Chartered Bank Ghana Limited code

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare it with SCBLGHAC on this page; if they differ, ask before you pay.

If the code is wrong, the payment might get stuck, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number is more serious, so check that just as carefully.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the payee name with the account. Sending a small amount first is worth it for large sums.

SCBLGHAC or SCBLGHACXXX – which one to use?

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code. The result is SCBLGHAC.

The full version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, so SCBLGHACXXX and SCBLGHAC are interchangeable.

As a rule the code is written in capitals. A single letter may route the money to another bank, so copy it carefully.

Tracking a transfer to or from Standard Chartered Bank Ghana Limited

How fast a transfer reaches Standard Chartered Bank Ghana Limited depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

When a payment takes longer than expected, contact the sending bank about the tracking status and the transaction reference so they can trace it along the chain. Money transfer services usually provide a status online showing how far the payment has got.

Only the sending bank is able to request a trace; the receiving side usually has nothing to trace yet. On the receiving end, it helps to check your statements to see a partial amount.

Choosing between the 5 SWIFT codes of Standard Chartered Bank Ghana Limited

Standard Chartered Bank Ghana Limited has 5 separate SWIFT/BIC codes across 4 locations. Only one is the head office code, SCBLGHACXXX; the rest belong to branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code SCBLGHACXXX works fine. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The safest route is to copy the code straight from the recipient’s bank details. Branch codes are more prone to change than SCBLGHACXXX when a bank merges or closes offices.

International transfers from Standard Chartered Bank Ghana Limited: the real cost

What you pay for an international transfer is made up of several parts – not just the fee on your screen. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Many banks do not show their exchange rate markup as a cost, but you pay it all the same. A simple test: put the rate you get against the mid-market rate and look at the difference.

Money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares these services next to each other, showing the amount the recipient gets for the same amount sent. Choosing a specialist does not require closing your account at Standard Chartered Bank Ghana Limited: you simply pay the service from your account.

Scams that use SWIFT codes

Criminals often send fake invoices containing new bank details. That SCBLGHAC is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Do not trust contact details from the same email that contains the change. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. If a payment was sent to the wrong account, call your bank right away.

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

How up to date is this code?

This directory is compiled from publicly available sources. Still, banks merge or change codes and our data may lag behind. Figures such as the number of codes are from our directory and are not confirmed by Standard Chartered Bank Ghana Limited.

For any payment that matters, always check the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to Standard Chartered Bank Ghana Limited. Found an error? Let us know via our contact form so we can correct it.