Banco de Occidente S.A. SWIFT/BIC code

SWIFT/BIC code of Banco de Occidente S.A.

Whether you are given BOCCHNTE or BOCCHNTEXXX, it is the same address for Banco de Occidente S.A. in Honduras. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. You will need it mainly when dealing with transfers between countries.

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. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number is for.

How to check BOCCHNTE before you pay

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. Compare it against BOCCHNTE on this page.

If the code is wrong, the transfer might be delayed, bounce back or end up costing more – sometimes after weeks of searching. A mistake in the account number can be more serious, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the structure of an IBAN, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check on the recipient gives extra certainty. For a first payment, some people start with a small amount first and wait for confirmation.

Sending money abroad from Banco de Occidente S.A.

The price of an international transfer has more than one component. On top of the transfer fee, banks in between can take a cut, and if currencies are converted, the bank often applies a rate below the real market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare what recipients receive across services, which makes the cheapest option easy to spot. Using a transfer service does not mean leaving Banco de Occidente S.A..

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message saying that a contact now has new bank details and asking you to pay there from now on. That BOCCHNTE is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Do not rely on contact details from the same email that announces the new account. Urgency or secrecy are warning signs; a genuine business can wait for you to check. Already paid? Contact your bank straight away and ask them to start a recall.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference to another account. Wait until the money is actually in your account and check with Banco de Occidente S.A. if anything seems off.

Incoming international payments to Banco de Occidente S.A.

When you expect money from abroad, send the payer everything they need in one go. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC BOCCHNTEXXX and usually your postal address.

Their bank might request the address of your bank, in which case the San Pedro Sula head office is the usual answer. Double-check the details before you send them, because the sender’s bank usually copies them as is.

What lands in your account can be lower than what was sent. Charges on incoming payments differ per bank. Make clear with the sender who covers the fees, especially for larger amounts.

Which of the 4 codes of Banco de Occidente S.A. do you need?

Having 4 codes, Banco de Occidente S.A. is one of the banks that use individual codes for branches and departments. The main code remains BOCCHNTEXXX.

If nobody asks you for a branch code, go with BOCCHNTEXXX. Branch codes are only needed if the account holder specifically mentions it, which is more common for corporate accounts and trade services.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

How up to date is this code?

This directory is compiled from public sources and is updated regularly. Institutions merge, close branches and retire codes, and a directory never catches every change immediately. Counts and locations are from our own dataset and may differ from what Banco de Occidente S.A. publishes.

Use this page as a reference, rather than as the final word. GoldexPay has no connection to Banco de Occidente S.A.; we are a comparison site for money transfers. Found outdated information? Let us know via our contact form so we can correct it.

Transfer times and tracking a payment to Banco de Occidente S.A.

A SWIFT payment usually needs one to a few business days. Payments made late in the day or on a weekend or public holiday often start a business day later. Extra checks on larger or unusual payments can also cause a delay, even when all details are correct.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide a status online so you can see how far the payment has got.

If the money does not arrive after a few business days, the sender should start with the bank that sent it, not the receiving bank. As a recipient, you can check your statements for a slightly lower amount.

What the XXX in BOCCHNTEXXX means

A BIC is built from fixed blocks: the first four letters identify the bank, the next two show the country and the two after that mark the location. Combined, these eight characters form BOCCHNTE, the code most people search for.

XXX at the end of BOCCHNTEXXX is not a missing value or an error: it stands for the main office of Banco de Occidente S.A.. Some banking apps insist on 11 characters, in which case you simply enter XXX after BOCCHNTE.

Type the code as one block, in upper case and without separators, exactly as shown here. A single letter may route a payment to another bank, so check it twice.