Banque Marocaine Pour le Commerce et L'industrie SWIFT/BIC code

What BMCIMAMC means for a payment to Banque Marocaine Pour le Commerce et L'industrie

BMCIMAMC and BMCIMAMCXXX are two spellings of the same bank identifier, and both lead to Banque Marocaine Pour le Commerce et L'industrie in Casablanca. The code has a single purpose: it makes sure that a cross-border transfer reaches the right bank. In practice you mostly come across it on invoices from abroad, in payment forms and in the bank details of Banque Marocaine Pour le Commerce et L'industrie customers.

Further down we go through the practical questions: money coming in from abroad, paying someone in another country and how to verify the code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number is for.

BMCIMAMC or BMCIMAMCXXX – which one to use?

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and two characters for the location. For Banque Marocaine Pour le Commerce et L'industrie, that core is BMCIMAMC.

Many banks and apps work with either length. If yours asks for eleven characters, use BMCIMAMCXXX, otherwise BMCIMAMC is fine.

Enter the code in one piece, in capitals and without separators. Pasting the code is safer than typing it by hand: a typo can point to another bank.

Receiving money from abroad at Banque Marocaine Pour le Commerce et L'industrie

When you are waiting for money from abroad, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code BMCIMAMCXXX (or BMCIMAMC) and sometimes your address.

Their bank may request the address of your bank; the head office in Casablanca is usually fine. A typo in your account number can be harder to fix than you might think.

Money from abroad does not always land in full. Fees for incoming transfers vary per bank – the price list of Banque Marocaine Pour le Commerce et L'industrie tells you what applies. On invoices, you can agree who bears the costs.

Which of the 3 codes of Banque Marocaine Pour le Commerce et L'industrie do you need?

We have 3 SWIFT/BIC codes for Banque Marocaine Pour le Commerce et L'industrie, spread over 2 locations. Besides the head office code BMCIMAMCXXX, there are codes for individual branches and departments.

For most payments to a private or business account, the head office code BMCIMAMCXXX is what you need. Branch codes are only needed if the account holder specifically mentions it.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are more likely to change than BMCIMAMCXXX.

When will the money arrive at Banque Marocaine Pour le Commerce et L'industrie?

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country add extra days, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment.

When a payment takes longer than expected, ask the sending bank about the tracking status and the transaction reference so they can trace it along the chain. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

A missing payment is traced from the sending side, using the payment confirmation. On the receiving end, it helps to look at your account for a slightly lower amount.

Is BMCIMAMC still correct? How to check

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from BMCIMAMC or BMCIMAMCXXX, do not guess – contact the recipient or Banque Marocaine Pour le Commerce et L'industrie.

Errors in the BIC tend to be costly more than fatal: often the payment comes back, minus fees. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

An automatic check by your bank only confirms that the code exists, not that it is the right account. Where available, a name check before sending adds extra certainty. For a first payment, some people send a small amount first.

International transfers from Banque Marocaine Pour le Commerce et L'industrie: the real cost

An international bank payment costs more than the fee suggests. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Many banks rarely list the margin on the rate as a cost, but you pay it all the same. Compare their rate with the mid-market rate. The difference is your real conversion cost.

For many routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, it is worth comparing what arrives via GoldexPay. Choosing a specialist does not mean leaving Banque Marocaine Pour le Commerce et L'industrie.

Where our SWIFT data comes from

The codes here are taken from public sources which we refresh regularly. Banks reorganise, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes are from our directory and may differ from what Banque Marocaine Pour le Commerce et L'industrie publishes.

Treat our data as a starting point, rather than as the final word. GoldexPay is independent of Banque Marocaine Pour le Commerce et L'industrie; we are a comparison site for money transfers. Should you notice something that is out of date, we welcome a message.

Scams that use SWIFT codes

One of the most common tricks works like this: an email arrives with a message saying that a supplier has a new bank account and asking you to pay there from now on. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Never trust a phone number in the same message that announces the change. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, call your bank right away.

Scams also work the other way. Someone sends more than agreed and wants you to return the extra to a new account. Wait until the money is actually in your account.