SWIFT/BIC codes in Jersey

Jersey: banks and their SWIFT/BIC codes

Here you will find codes for 83 institutions in Jersey – 246 codes altogether. You will need a SWIFT/BIC code mostly for payments across borders and for payments in a foreign currency.

Look for the recipient’s bank in the list and click through for the full list of codes and the details a transfer needs. The sections below explain how the codes work, what transfers cost and the checks worth doing.

BNP Paribas Securities Services Jersey Branch and its SWIFT codes

Of the 83 banks in Jersey, BNP Paribas Securities Services Jersey Branch has the largest number of codes. Its main office has PARBJEH1XXX; that is usually the right code for a transfer.

A large number of codes usually reflects that the bank registers branches and departments separately. Making a payment to BNP Paribas Securities Services Jersey Branch? Go with PARBJEH1XXX unless a specific branch code is requested.

How long does a transfer to Jersey take?

A SWIFT payment to Jersey typically takes one to a few business days – it depends on currency, route and the banks in between. Public holidays in either country add extra days.

If a transfer is late, ask the sender to contact the sending bank for a trace – the receiving bank often cannot see a payment that has not arrived. Save the payment confirmation until the recipient confirms; a bank needs it to start a trace.

Why a transfer to Jersey needs a SWIFT code

Since Jersey is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means you always need the BIC of the receiving bank, together with the account number or IBAN.

In some countries, accounts are identified by a domestic account number rather than an IBAN. The receiving bank often provides instructions for incoming international payments. International transfers sometimes go via correspondent banks, each of which may deduct a fee.

What a transfer to Jersey really costs

If you transfer money to Jersey via a regular bank, the stated fee is only part of the cost. There is a transfer fee, possibly charges from intermediary banks along the way and, above all, the margin on the exchange rate.

That exchange rate margin tends to be the largest cost item, even though it is not listed as a fee. An easy check: set the rate you get against the mid-market rate and look at the difference.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. Before your next transfer to Jersey, it is worth to compare what arrives on GoldexPay.

Receiving money in Jersey from abroad

A sender in another country needs several details about your account, and missing ones are a common cause of delays. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address.

The code of your bank appears in our list, yet the version on your own statement or in your banking app is leading. Certain banks may also want the name and address of your bank, so keep it at hand.

What lands in your account can be less than what was sent. Fees for incoming transfers vary per bank. Agree with the sender who covers the fees.

How reliable is this list?

The best place to find the correct BIC remains a document from the bank itself. When the code you were given does not match the code listed here, do not guess: check with the recipient or the bank.

We gather bank codes using public sources and update them regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. Use our data as a starting point, not as the final word. GoldexPay is not a bank and has no link to the banks in this list.

Watch out for payment requests with changed bank details, especially when they come by email. Before paying, confirm changed details by phone, using a number you already had.

The British Pound (GBP) and conversion costs

The currency in Jersey is the British Pound (GBP). A payment in a foreign currency is converted into GBP.

Who converts the money makes a difference, because each party uses its own rate. In many cases you pay less if you send GBP directly through a transfer service with a good rate rather than letting the receiving bank convert. Exchange rates move during the day, so a quote is usually valid only briefly.

Recognising a SWIFT code from Jersey

Bank identifier codes use one international format: eight characters, sometimes followed by three more. First comes four letters for the bank, followed by a two-letter country code and a two-character location code.

In every code from Jersey, characters five and six show the ISO country code of Jersey – that is the quickest way to spot one. A code with other letters in that position come from another country, even if the bank name looks familiar.

When a code ends in XXX, it means the main office. In most cases the head office code is fine unless the recipient asks for a specific branch.