Pt Aia Financial SWIFT/BIC code

Pt Aia Financial SWIFT code: AIACIDJA

The short code AIACIDJA and the full code AIACIDJAXXX identify the same bank: Pt Aia Financial in Jakarta, Indonesia. A SWIFT code shows the sending bank which institution is meant to get the money, a bit like a postal address for banks. It comes up mainly when dealing with transfers between countries or a currency.

On this page you will find how the code is put together, when you need it and which other details you need for a transfer to or from Pt Aia Financial. Remember that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

Tracking a transfer to or from Pt Aia Financial

A SWIFT payment usually takes anywhere from one to several business days. Weekends and public holidays in the sending or receiving country can add extra days. Extra checks on larger or unusual payments may also add a delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services usually provide a status in their app so you can see where the money has got.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

Watch out for payment fraud

A common scam goes like this: an email arrives with a request claiming that a contact now has a new bank account. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify new bank details via a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. When a payment has already gone to a fraudster, call your bank right away.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to refund the difference. Do not act before the money has really arrived.

International transfers from Pt Aia Financial: the real cost

When you transfer money to another country through Pt Aia Financial, the visible fee is only part of the cost. You pay the transfer fee, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For many routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare what recipients receive with different providers. Using a transfer service does not mean leaving Pt Aia Financial: you simply pay the service from your account.

What to give a sender who pays you at Pt Aia Financial

A sender in another country will ask for several details from you. Share the account holder’s name, the IBAN or account number, SWIFT code AIACIDJAXXX and your address, which some banks require.

Some sending banks want the bank’s address. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Pt Aia Financial may charge for incoming payments, and if the money is converted, a markup on the rate applies. On invoices, it is common to state who bears the costs, so that nobody is left short.

What the XXX in AIACIDJAXXX means

The layout of a BIC never changes: a bank code of four letters, two for the country and a two-character location code. The result is AIACIDJA.

Most banks and apps work with either length. If a form asks for eleven characters, enter AIACIDJAXXX.

In practice the code is typed in capitals, without spaces or dashes. Pasting the code is safer than typing it by hand: a typo can point to another bank.

How up to date is this code?

The codes on this page are taken from public sources. Still, banks merge or change codes. Figures such as the number of codes come from our own dataset and are not confirmed by Pt Aia Financial.

For any payment that matters, always check the BIC with Pt Aia Financial or the recipient. GoldexPay is a comparison service and not part of Pt Aia Financial. Spotted an error? Let us know via our contact form so we can correct it.

Pt Aia Financial: head office code versus branch codes

Having 2 codes in 2 cities, Pt Aia Financial is one of the banks that register individual codes for branches and departments. The main code remains AIACIDJAXXX.

For most incoming transfers, the head office code AIACIDJAXXX is what you need. Only use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Check with the recipient. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

Before you send: check the Pt Aia Financial code

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare that code with AIACIDJA here; if they differ, ask before you pay.

If the code is wrong, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, so check that just as carefully.

A validity check in your banking app only confirms that the IBAN exists. Where available, a name check before sending adds extra certainty. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.