Banco Promerica, S.A. SWIFT/BIC code

What BPRCGTGC means for a payment to Banco Promerica, S.A.

BPRCGTGC and BPRCGTGCXXX are the short and the long form of the same bank identifier, and both point to Banco Promerica, S.A. in Guatemala. A SWIFT code shows the sending bank exactly which bank is meant to get the money. In daily life you usually come across the code on international invoices, in payment forms and in the bank details of Banco Promerica, S.A. customers.

We wrote this page to help people who sends money to an account at Banco Promerica, S.A.. Remember that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

Watch out for payment fraud

A common scam goes like this: you receive a message claiming that a supplier now has a new bank account and that the next payment should go there. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, confirm changed bank details through a phone call. Watch out for time pressure, unusual wording or a sender address that is slightly off. When a payment has already gone to a fraudster, call your bank right away.

Scams can also target the receiver. Someone sends more than agreed and asks you to return the difference. Wait until the money has really arrived and check with Banco Promerica, S.A. if anything seems off.

A note on our data

The directory on GoldexPay is based on public sources and we update it periodically. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes are from our directory and may differ from what Banco Promerica, S.A. publishes.

Before any payment of any size, confirm the code with the recipient’s bank or with the recipient. We are a comparison site and not affiliated with Banco Promerica, S.A.. If you notice a mistake, we appreciate a short note.

How long does an international transfer to Banco Promerica, S.A. take?

How quickly a payment reaches Banco Promerica, S.A. depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Compliance checks by one of the banks can also cause a delay, regardless of the details.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR. Specialist transfer services usually provide a status online showing how far the money is.

A delayed transfer is investigated by the sending bank. As a recipient, you can look at your statements to see a partial amount.

Paying someone abroad from your Banco Promerica, S.A. account

When you transfer money abroad from Banco Promerica, S.A., the fee you see is only part of what you pay. There is the transfer fee, sometimes charges from correspondent 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 as a cost. Compare their rate with the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, it is worth to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Banco Promerica, S.A. – you pay the provider from your own account.

8 or 11 characters: BPRCGTGC versus BPRCGTGCXXX

A SWIFT code is built from fixed blocks: characters one to four identify the bank, characters five and six show the country and characters seven and eight mark the location. For Banco Promerica, S.A., that core is BPRCGTGC.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

Do not add spaces when you type BPRCGTGC. Watch for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Choosing between the 3 SWIFT codes of Banco Promerica, S.A.

Our directory lists 3 SWIFT/BIC codes for Banco Promerica, S.A.. Next to the head office code BPRCGTGCXXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, use BPRCGTGCXXX. Only use a branch code when your contact explicitly asks for it.

If you are not sure, ask the person you are paying which code their bank gave them. Codes can change when banks reorganise, so do not rely on old paperwork.

Before you send: check the Banco Promerica, S.A. code

Have the recipient send you the account details straight from their banking app. If the code you have does not match BPRCGTGC or BPRCGTGCXXX, do not guess – contact the recipient or Banco Promerica, S.A..

If the code is wrong, the payment might get stuck, be returned or cost extra. Do not forget the IBAN: a mistake there is harder to correct than a wrong BIC.

A format check in your banking app merely confirms that the code exists. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. A small test payment can be worth it for large sums.

Incoming international payments to Banco Promerica, S.A.

A sender in another country will ask for several details from you. The basics are: your name, account number or IBAN, BPRCGTGCXXX or BPRCGTGC and, for some countries, your postal address.

You can add Banco Promerica, S.A. and its city too, since some forms ask for it. A mistake in the IBAN can be harder to fix than it looks.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. On invoices, you can agree how the fees are split, so that nobody is left short.