National Commercial Bank SWIFT/BIC code

What LNCBLYLT means for a payment to National Commercial Bank

The 8-character code LNCBLYLT and the 11-character code LNCBLYLTXXX identify one and the same institution: National Commercial Bank. A SWIFT code shows the sending bank which institution is meant to get the money. In practice you mostly see it on invoices from abroad, in your banking app and on the account details of National Commercial Bank customers.

On this page you can read how the code is put together, when you need it and what else a transfer to or from National Commercial Bank requires. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Which of the 46 codes of National Commercial Bank do you need?

With 46 codes in 22 locations, National Commercial Bank is one of the banks that use separate codes for parts of the organisation and departments. The main code remains LNCBLYLTXXX.

If nobody asks you for a branch code, use LNCBLYLTXXX. When you receive a specific code, use it as it is instead of replacing it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more prone to change than LNCBLYLTXXX when a bank merges or closes offices.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a request claiming that a contact now has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Verify changed payment details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and ask them to start a recall.

Fraud also work the other way. Someone sends more than agreed and asks you to refund the difference to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Tracking a transfer to or from National Commercial Bank

An international transfer usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in either country can add extra days to the journey. Compliance checks by one of the banks can also cause a delay.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the sender needs to start with the bank that sent it rather than National Commercial Bank. Ask the sender for the payment receipt; that often settles the question quickly.

Getting paid from abroad into a National Commercial Bank account

To receive a transfer from abroad into your account at National Commercial Bank, the person paying you has to have more than the BIC. Give them your name as the bank knows it, the IBAN or account number, SWIFT code LNCBLYLTXXX and your address, which some banks require.

Certain banks want the name and address of National Commercial Bank. A typo in your account number can be more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the amount credited is smaller than what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. Agree with the sender who covers the fees.

LNCBLYLT or LNCBLYLTXXX – which one to use?

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, characters five and six show the country and the two after that indicate the location. That gives you LNCBLYLT.

XXX at the end of LNCBLYLTXXX is not a placeholder or a mistake: it stands for the head office of National Commercial Bank. Certain payment forms insist on 11 characters, and then you can enter XXX after LNCBLYLT.

As a rule the code is written in capitals. Look out for the letter O and the digit 0 or I versus 1.

A note on our data

This directory is compiled from publicly available sources and we update it periodically. Banks merge, close branches and change codes. The figures we show reflect what is in our directory.

Use this page as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is independent of National Commercial Bank, we only compare transfer services. Found outdated information? Let us know through the contact page and we will look into it.

Is LNCBLYLT still correct? How to check

Have the recipient copy the account details straight from a recent statement. Compare it with LNCBLYLT here and ask if anything does not match.

Errors in the BIC tend to be costly more than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number can be more serious because it can reach the wrong person.

Most online banking apps check the format of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. Sending a small amount first can be worth it for large sums.

Sending money abroad from National Commercial Bank

What you pay for an international transfer has more than one component – not just the fee on your screen. Besides a fixed fee, banks in between can take a cut, and when currencies are converted, the bank usually uses a rate that is less favourable than the real market rate.

Banks rarely list the margin on the rate separately, but you pay it all the same. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer. On GoldexPay we compare what recipients receive with different providers, so you can pick the cheapest route. Choosing a specialist does not mean closing your account at National Commercial Bank – you pay the provider from your own account.