Nepal Credit and Commerce Bank LTD. SWIFT/BIC code

NBOCNPKA – the SWIFT/BIC code of Nepal Credit and Commerce Bank LTD.

Whether you are given NBOCNPKA or NBOCNPKAXXX, it is the identical identifier for Nepal Credit and Commerce Bank LTD. in Nepal. Banks worldwide use BIC codes to direct international transfers to the correct bank. In daily life you mostly see it on international invoices, in your banking app and on the account details that Nepal Credit and Commerce Bank LTD. provides.

Further down we go through the practical questions: receiving money at Nepal Credit and Commerce Bank LTD., paying someone in another country and how to verify a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify an individual account holder; for that you need the IBAN or account number .

Protect yourself against fake payment requests

Scammers often send payment requests containing changed bank details. The fact that NBOCNPKA exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check new payment details through a different channel, such as a phone number you already know, not by replying to the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. When money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is an overpayment followed by a request to send back the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

When will the money arrive at Nepal Credit and Commerce Bank LTD.?

An international transfer usually needs one to a few business days. Payments made after the cut-off time or on a weekend or public holiday usually start a business day later. Extra checks by one of the banks may also add some delay.

When a payment takes longer than expected, ask your bank about the status; with that reference banks can see where the payment is. Keep the payment confirmation until the money has arrived.

The bank that sent the money can start an official trace or a recall. As a recipient, it helps to check your account for a partial amount.

Paying someone abroad from your Nepal Credit and Commerce Bank LTD. account

The price of an international transfer has several parts. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

Many banks do not show their exchange rate markup separately, but you pay it all the same. A simple test: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a bank. Before your next transfer, take a minute to compare what arrives via GoldexPay. Choosing a specialist does not mean leaving Nepal Credit and Commerce Bank LTD..

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. The figures on this page are based on our own data, not official figures from Nepal Credit and Commerce Bank LTD..

For any payment that matters, always confirm the code with Nepal Credit and Commerce Bank LTD. or the recipient. GoldexPay is independent of Nepal Credit and Commerce Bank LTD., we only compare transfer services. Found outdated information? Let us know via our contact form.

Verifying the SWIFT code of Nepal Credit and Commerce Bank LTD.

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code against NBOCNPKA on this page and ask if anything does not match.

If the code is wrong, the transfer may get stuck, bounce back or cost extra, and tracing it can take weeks. Do not forget the IBAN: an error there is more difficult to correct than a wrong code.

An automatic check by your bank only tells you that the code exists. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. A small test payment can be worth it for large sums despite the extra fee.

What the XXX in NBOCNPKAXXX means

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. That gives you NBOCNPKA for Nepal Credit and Commerce Bank LTD..

The 11-character version has three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why NBOCNPKAXXX and NBOCNPKA lead to the same place.

Enter the code in one piece, in upper case and without separators, exactly as shown here. A wrong letter may route the money to a different institution, so copy it carefully.

Nepal Credit and Commerce Bank LTD.: head office code versus branch codes

Nepal Credit and Commerce Bank LTD. has 2 different SWIFT/BIC codes. One of them is the head office code; the others belong to branches or departments.

For most payments to a private or business account, the head office code NBOCNPKAXXX works fine. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes can change when banks reorganise, so do not rely on old paperwork.

What to give a sender who pays you at Nepal Credit and Commerce Bank LTD.

When you expect money from abroad, give the sender everything they need in one go. Share the account holder’s name, the IBAN or account number, SWIFT code NBOCNPKAXXX and your address, which some banks require.

It helps to include Nepal Credit and Commerce Bank LTD. and its city as well. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always arrive in full. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin comes on top. Agree with the sender who covers the fees before the money is sent.