Credit Immobilier et Hotelier SWIFT/BIC code

SWIFT/BIC code of Credit Immobilier et Hotelier

CIHMMAMC and CIHMMAMCXXX are two ways of writing the same SWIFT/BIC code, and both lead to Credit Immobilier et Hotelier in Casablanca. A BIC has a single purpose: it makes sure that money from abroad ends up at the right bank. It comes up mainly for payments that cross a border or a currency.

This page is meant to help people who receives money at an account at Credit Immobilier et Hotelier without mistakes. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN .

Paying someone abroad from your Credit Immobilier et Hotelier account

What you pay for a payment abroad has several parts. On top of the transfer fee, banks in between can take a cut, and when currencies are converted the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. Compare the rate you are offered against the mid-market rate.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer. GoldexPay compares what recipients receive across services, so you can pick the cheapest route. Using a transfer service does not mean leaving Credit Immobilier et Hotelier: you simply pay the service from your account.

What to give a sender who pays you at Credit Immobilier et Hotelier

A sender in another country needs several details from you. What they need is: the account holder’s name, IBAN or account number, CIHMMAMCXXX or CIHMMAMC and, for some countries, your home address.

Certain banks want the name and address of Credit Immobilier et Hotelier, so keep it at hand. A typo in your account number is harder to fix than you might think, so copy the details from your online banking.

The amount you receive can be lower than the amount sent. Correspondent banks can take a fee, Credit Immobilier et Hotelier may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. Agree with the sender who covers the fees, especially for larger amounts.

Verifying the SWIFT code of Credit Immobilier et Hotelier

The most reliable place for the right code remains a document from the bank itself. If the code you have does not match CIHMMAMC or CIHMMAMCXXX, do not guess: check with the recipient or with Credit Immobilier et Hotelier directly.

An incorrect BIC may lead to a delay, a returned payment or additional charges for investigation. An error in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps check the format of IBANs and some suggest the matching BIC. Where available, a payee name check before sending adds an extra layer of safety. When you pay someone new, many people send a small test amount.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on public sources. Institutions merge, change names and retire codes. Counts and locations are from our directory.

Before any payment of any size, always confirm the code with the recipient’s bank or the recipient. GoldexPay has no connection to Credit Immobilier et Hotelier. Found an error? Tell us via our contact form and we will look into it.

8 or 11 characters: CIHMMAMC versus CIHMMAMCXXX

The layout of a BIC is always the same: four characters for the institution, two for the country and two for the location. Combined, those parts make up CIHMMAMC, the code most people search for.

XXX at the end of CIHMMAMCXXX is not a missing value or a mistake: it indicates the head office of Credit Immobilier et Hotelier. Certain payment forms ask for 11 characters, and then you can enter XXX after CIHMMAMC.

Type the code in one piece, in capitals and without separators. A wrong character can send a payment to another bank.

Scams that use SWIFT codes

Fraudsters regularly use payment requests containing changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify changed bank details through a separate channel, such as a phone number you already know, never via the email that asked for the change. Urgency and secrecy tend to be warning signs. When a payment was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is an overpayment followed by a request to refund the difference abroad. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

How long does an international transfer to Credit Immobilier et Hotelier take?

An international transfer usually takes one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or on weekends and holidays often go out a business day later. Extra checks by one of the banks can also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually provide a status in their app showing how far the payment is.

A delayed transfer has to be investigated by the sending bank, using the payment confirmation. Ask the sender for the payment receipt including the reference.

Which of the 4 codes of Credit Immobilier et Hotelier do you need?

With 4 codes in 1 cities, Credit Immobilier et Hotelier is one of the banks that use separate codes for branches and departments. The main code is CIHMMAMCXXX.

For the vast majority of incoming transfers, the head office code CIHMMAMCXXX is what you need. When you receive a specific code, stick to it instead of replacing it for the head office code.

The safest route is to copy the code straight from the account holder’s statement. Branch codes are more prone to change than the head office code.