Aia Bhd. SWIFT/BIC code

Aia Bhd. SWIFT code: AIACMYKL

The 8-character code AIACMYKL and the full code AIACMYKLXXX identify the same bank: Aia Bhd. in Kuala Lumpur, Malaysia. Every bank on the SWIFT network uses these codes to direct international transfers to the right bank. You will need it mostly for transfers between countries.

On this page you can read what the code means, when you need it and what else a transfer to or from Aia Bhd. requires. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number is for.

Before you send: check the Aia Bhd. code

Have the recipient copy their account details straight from a recent statement. Check it against AIACMYKL here.

A wrong SWIFT code can cause delays, a payment being sent back or additional charges for investigation. Do not forget the account number: a mistake there can be more difficult to undo than a wrong BIC.

An automatic check in your banking app merely confirms that the IBAN exists. If your bank offers it, a payee name check before sending gives an extra layer of safety. For a first payment, many people send a small amount first before sending the rest.

About this information

The directory on GoldexPay draws on public sources. Institutions merge, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset.

For a payment of any size, always confirm the code with Aia Bhd. or with the recipient. GoldexPay is independent of Aia Bhd., we only compare transfer services. Spotted an error? Let us know via our contact form.

International transfers from Aia Bhd.: the real cost

An international bank payment can cost more than the listed fee. Besides a fixed fee, banks in between can deduct a fee, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate with a margin built in. A simple test: set the rate you get against the mid-market rate for the same moment and look at the difference.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. On GoldexPay you can compare the amount that arrives with different services, which makes the cheapest option easy to spot. You can always keep your account at Aia Bhd.; only the conversion and sending happen elsewhere.

AIACMYKL or AIACMYKLXXX – which one to use?

The structure of a BIC is always the same: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. Combined, these eight characters make up AIACMYKL.

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office.

Do not add spaces when you type AIACMYKL. Pasting the code beats retyping it, because one wrong letter changes the bank.

Choosing between the 2 SWIFT codes of Aia Bhd.

Having 2 codes, Aia Bhd. belongs to the banks that register separate codes for branches. The main code is AIACMYKLXXX.

Unless the recipient tells you otherwise, use AIACMYKLXXX or its short form AIACMYKL. When you receive a specific code, stick to it instead of swapping it with the head office code.

The best way is to take the code straight from the account holder’s statement. Branch codes are more likely to change than the head office code.

Incoming international payments to Aia Bhd.

A sender in another country will ask for a few details from you – incomplete details often cause delays. In practice that means: your full name as registered with Aia Bhd., your account number or IBAN, the BIC AIACMYKLXXX and sometimes your postal address.

You can add the bank name and Kuala Lumpur as well, because some payment forms have separate fields for them. Check each detail before you send them.

What lands in your account can be lower than the amount sent. Fees for incoming transfers differ per bank – the price list of Aia Bhd. tells you what applies. On invoices, you can agree how the fees are split, so that nobody is left short.

Tracking a transfer to or from Aia Bhd.

An international transfer typically takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on a weekend or public holiday usually start the next business day. Compliance checks on larger or unusual payments may also add some delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank for the status or the UETR. Save your transfer receipt; it contains the details a bank needs to start a trace.

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. As a recipient, it helps to look at your account to see a partial amount, since fees may have been deducted.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a message claiming that a contact has new bank details. That AIACMYKL is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Never rely on contact details in the same message that announces the new account. Urgency or requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. Already paid? Contact your bank without delay and ask them to try to recall the payment and report the fraud.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference to another account. Do not act before the money is actually in your account.