Bank of Scotland (Jersey) Limited SWIFT/BIC code

SWIFT/BIC code of Bank of Scotland (Jersey) Limited

BOFSJES1 and BOFSJES1001 are the short and the long form of the same bank identifier, and both lead to Bank of Scotland (Jersey) Limited in St. Helier. A SWIFT code tells the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. In practice you mostly see it on invoices from abroad, in your banking app and in the bank details of Bank of Scotland (Jersey) Limited customers.

This page is meant to help anyone who sends money to an account at Bank of Scotland (Jersey) Limited. The BIC identifies an institution, not a specific account; the IBAN or account number does that.

Head office or branch code at Bank of Scotland (Jersey) Limited?

With 4 codes, Bank of Scotland (Jersey) Limited belongs to the banks that use separate codes for branches and departments. The main code is BOFSJES1001.

If nobody asks you for a branch code, go with BOFSJES1001 or its short form BOFSJES1. Branch codes are only needed when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and specialised services.

The best way is to take the code straight from the account holder’s statement. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

How long does an international transfer to Bank of Scotland (Jersey) Limited take?

How fast a payment reaches Bank of Scotland (Jersey) Limited depends on several factors: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out the next business day. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR. Keep your transfer receipt; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the person who paid should start with their own bank, not the receiving bank. On the receiving end, it helps to check your statements to see a partial amount.

British Pound (GBP) and conversion costs

Jersey uses the British Pound. A payment in a foreign currency is converted into GBP before it reaches the account – and the bank that does it picks the rate. Each conversion eats into something – usually through the rate rather than a fee.

Which bank converts the money matters. Check how much GBP arrives via several providers; the difference between options can be larger than you expect.

The GBP rate changes throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over a year.

Watch out for payment fraud

One of the most common tricks works like this: you receive a message claiming that a company has new bank details. That BOFSJES1 is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Always verify a change of bank details by phone. Urgency or secrecy tend to be red flags – a real supplier can wait a day. If a payment was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also work the other way. Someone claims to have sent too much and asks you to return the extra. Wait until the money has really arrived.

Why Bank of Scotland (Jersey) Limited has an 8- and an 11-character code

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. The result is BOFSJES1 for Bank of Scotland (Jersey) Limited.

XXX at the end of BOFSJES1001 does not stand for a placeholder or a mistake: it stands for the head office of Bank of Scotland (Jersey) Limited. Some forms insist on 11 characters, in which case you can enter XXX behind BOFSJES1.

Do not add spaces when you enter BOFSJES1. Watch for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

A note on our data

The directory on GoldexPay is compiled from publicly available sources. Institutions reorganise, close branches and change codes – a directory can be a step behind. Figures such as the number of codes are from our own dataset.

Use our data as a reference, rather than as the final word. GoldexPay is an independent comparison service for money transfers and not part of Bank of Scotland (Jersey) Limited. Found an error? Tell us through the contact page and we will look into it.

What a transfer from Bank of Scotland (Jersey) Limited abroad really costs

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

Money transfer services often use rates closer to the mid-market rate and lower fees. GoldexPay lists these services next to each other so you can see what actually arrives before you commit. Using a transfer service does not require closing your account at Bank of Scotland (Jersey) Limited – you pay the provider from your own account.

Before you send: check the Bank of Scotland (Jersey) Limited code

Have the recipient send you their bank details directly from their online banking. If the code you have does not match BOFSJES1 or BOFSJES1001, do not guess – contact the recipient or Bank of Scotland (Jersey) Limited.

With a wrong code, the transfer may be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the IBAN: an error there is more difficult to undo than a wrong code.

Most online banking apps check the structure of IBANs and sometimes look up the BIC automatically, 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 an extra layer of safety. For a first payment, some people send a small amount first and wait for confirmation.

Getting paid from abroad into a Bank of Scotland (Jersey) Limited account

If you are waiting for a payment from another country, send the payer everything they need in one go. What they need is: your name, account number or IBAN, BOFSJES1001 or BOFSJES1 and, for some countries, your home address.

Some sending banks want the bank’s address; it does no harm to include it. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is below what the sender paid. Fees for incoming transfers differ from bank to bank – the price list of Bank of Scotland (Jersey) Limited tells you what applies. Agree with the sender who covers the fees.