Banco de Mocambique SWIFT/BIC code

BMOCMZMA – the SWIFT/BIC code of Banco de Mocambique

BMOCMZMA and BMOCMZMAXXX are two spellings of the same SWIFT/BIC code, and both lead to Banco de Mocambique in Maputo. The code does one job: it ensures that an international payment reaches the right bank. You will need it mainly when dealing with transfers between countries or a currency.

This page is meant to help people who pays into an account at Banco de Mocambique and wants to get the details right. The BIC identifies an institution, never a specific account; the IBAN or account number does that.

Changed bank details? Be careful

Scammers often use payment requests with new bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about who owns the account.

Check new payment details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure or requests to keep it quiet are warning signs; a genuine business can wait for you to check. Already paid? Call the bank you paid from without delay and have them start a recall and report the fraud.

Fraud also work the other way: someone claims to have sent more than agreed and wants you to refund the extra to a new account. Wait until the money has really arrived and check with Banco de Mocambique if anything seems off.

How long does an international transfer to Banco de Mocambique take?

There is no fixed delivery time for international payments: some arrive the same day or the next. Transfers sent late in the day or on weekends and holidays usually start a business day later. Extra checks by one of the banks may also cause some delay, even when all details are correct.

If the money is late, ask the sending bank for the status. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can request a trace or a recall. On the receiving end, it helps to look at your account to see a slightly lower amount because fees can reduce the amount.

What the XXX in BMOCMZMAXXX means

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. For Banco de Mocambique, that core is BMOCMZMA.

XXX at the end of BMOCMZMAXXX is not a missing value or a mistake: it indicates the head office of Banco de Mocambique. Some forms insist on 11 characters, in which case you simply enter XXX after BMOCMZMA.

As a rule the code is written in capitals, without spaces or dashes. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

Banco de Mocambique: head office code versus branch codes

Banco de Mocambique has 3 separate SWIFT/BIC codes across 3 locations. One of them is the head office code; the others identify branches or departments, and sometimes internal departments.

Unless the recipient tells you otherwise, use BMOCMZMAXXX or its short form BMOCMZMA. Branch codes are only needed if the recipient’s bank explicitly asks for it.

The best way is to take the code straight from the recipient’s bank details. Branch codes are sometimes changed or retired over time.

A note on our data

Our SWIFT/BIC directory draws on publicly available sources. It can happen that a code here is out of date after a merger or reorganisation. The figures on this page reflect our own data and not on information from Banco de Mocambique itself.

Use our data as a reference, not as the final word – the bank details from the recipient are leading. We are an independent comparison service and not part of Banco de Mocambique. If you notice something that is out of date, we welcome a short note via the contact page.

Getting paid from abroad into a Banco de Mocambique account

A sender in another country needs several details from you – incomplete details often cause delays. Share the account holder’s name, the IBAN or account number, the BIC BMOCMZMAXXX and your address.

You can include Banco de Mocambique and Maputo too, since some forms ask for it. A mistake in the IBAN can be harder to fix than it looks.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees, especially for larger amounts.

What a transfer from Banco de Mocambique abroad really costs

When you send money to another country from Banco de Mocambique, the fee you see is rarely all of what you pay. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

That exchange rate margin tends to be the largest item, and it is easy to miss. An easy check: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. On GoldexPay you can compare the amount that arrives with different services. Choosing a specialist does not require leaving Banco de Mocambique: you simply pay the service from your account.

Verifying the SWIFT code of Banco de Mocambique

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare it with BMOCMZMA on this page; if they differ, ask before you pay.

With a wrong code, the transfer might be delayed, be returned or cost extra – sometimes after weeks of searching. An error in the IBAN or account number is more serious, so check that just as carefully.

Most online banking apps check the structure of IBANs and some suggest the matching BIC. Some banks now check the name against the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.