St. Colman's (Claremorris) Credit Union Limited SWIFT/BIC code

BLRIIE21 – the SWIFT/BIC code of St. Colman's (Claremorris) Credit Union Limited

Whether you are given BLRIIE21 or BLRIIE21XXX, it is the identical address for St. Colman's (Claremorris) Credit Union Limited in Ireland. Every bank on the SWIFT network uses BIC codes to route international transfers to the correct bank. You will need it mostly for payments that cross a border and payments in foreign currencies.

Below you will find the practical side: money coming in from abroad, paying someone in another country and how to check the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; for that you need the IBAN or account number .

Choosing between the 2 SWIFT codes of St. Colman's (Claremorris) Credit Union Limited

With 2 codes, St. Colman's (Claremorris) Credit Union Limited belongs to the banks that use individual codes for parts of the organisation and departments. The main code remains BLRIIE21XXX.

For the vast majority of payments to a private or business account, the head office code BLRIIE21XXX works fine. A branch code only makes sense when the recipient’s bank specifically mentions it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to be retired than BLRIIE21XXX.

BLRIIE21 or BLRIIE21XXX – which one to use?

The layout of a BIC never changes: four characters for the institution, a two-letter country code and two for the location, plus an optional branch code. For St. Colman's (Claremorris) Credit Union Limited, the 8-character core is BLRIIE21.

XXX at the end of BLRIIE21XXX is not a placeholder or a mistake: it indicates the head office of St. Colman's (Claremorris) Credit Union Limited. Some banking apps insist on 11 characters, in which case you simply enter XXX behind BLRIIE21.

In practice the code is typed in capitals and without spaces. Look out for O versus 0 or the letter I and the digit 1, a common source of typos.

Receiving money from abroad at St. Colman's (Claremorris) Credit Union Limited

Someone abroad who wants to pay you will ask for a few details from you – incomplete details often cause delays. Share your name as the bank knows it, the IBAN or account number, the BIC BLRIIE21XXX and your address, which some banks require.

Their bank might request the bank address of St. Colman's (Claremorris) Credit Union Limited. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than the amount sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate applies. On invoices, it is common to agree how the fees are split to avoid a shortfall.

When will the money arrive at St. Colman's (Claremorris) Credit Union Limited?

A SWIFT payment typically needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in either country can add a day or more, since banks do not process on those days. Compliance checks by one of the banks can also add some delay, even when all details are correct.

If a transfer is late, ask your bank about the status or the UETR. Save the payment confirmation until the money has arrived – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it, not the receiving bank. On the receiving end, it helps to check your account for a slightly lower amount because fees can reduce the amount.

Paying into St. Colman's (Claremorris) Credit Union Limited in EUR

Most accounts at St. Colman's (Claremorris) Credit Union Limited are usually held in EUR, the local currency of Ireland. If you send money in a different currency gets converted somewhere along the way – by your bank, by St. Colman's (Claremorris) Credit Union Limited or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Check how much EUR the recipient gets via several services.

Exchange rates change all the time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Before you send: check the St. Colman's (Claremorris) Credit Union Limited code

The most reliable source for the BIC is the recipient’s own bank details. If the code you have does not match BLRIIE21 or BLRIIE21XXX, do not guess: check with the recipient or with St. Colman's (Claremorris) Credit Union Limited directly.

If the code is wrong, the transfer might be delayed, bounce back or end up costing more, and tracing it can take weeks. An error in the account number is more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank only confirms that the IBAN is valid, not that it is the right account. More and more banks compare the name against the account before you confirm. A small test payment is worth it for a large first payment despite the extra fee.

Euro transfers to St. Colman's (Claremorris) Credit Union Limited: is a BIC needed?

Ireland belongs to the SEPA area. For a standard euro transfer from another SEPA country, the IBAN is usually enough.

For anything other than euros and from non-SEPA countries, BLRIIE21XXX is still required. If a payment form has a field for the BIC regardless, entering BLRIIE21 is fine.

SEPA transfers normally land by the next business day. Charges on SEPA transfers are generally low as long as everything stays in euros.

What a transfer from St. Colman's (Claremorris) Credit Union Limited abroad really costs

An international bank payment costs rather more than the listed fee. Besides the transfer fee, banks in between can deduct a fee, and when currencies are converted, the bank usually applies a rate below the actual market rate.

Banks rarely show the margin on the rate as a cost, but you pay it all the same. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares the amount that arrives with different providers, so you can pick the cheapest route. Using a transfer service does not mean leaving St. Colman's (Claremorris) Credit Union Limited – you pay the provider from your own account.

How up to date is this code?

The directory on GoldexPay draws on public sources. Banks merge, close branches and retire codes, and a directory never catches every change immediately. Counts and locations come from our directory and may differ from what St. Colman's (Claremorris) Credit Union Limited publishes.

Use our data as a starting point, not as the last word: the recipient’s bank details come first. We are an independent comparison site for money transfers and not affiliated with St. Colman's (Claremorris) Credit Union Limited. Found an error? Let us know via our contact form so we can correct it.

Watch out for payment fraud

Be wary when a contact suddenly wants you to pay into another account abroad. A correct SWIFT code says nothing about who owns the account.

Check new payment details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference. Do not act before the money has really arrived.