Alior Bank Spolka Akcyjna SWIFT/BIC code

ALBPPLPW – the SWIFT/BIC code of Alior Bank Spolka Akcyjna

ALBPPLPW and ALBPPLPWXXX are two spellings of the same SWIFT/BIC code, and both lead to Alior Bank Spolka Akcyjna in Warszawa. Banks worldwide use these codes to direct international transfers to the correct institution. In daily life you mostly see the code on invoices from abroad, in payment forms and on the account details that Alior Bank Spolka Akcyjna provides.

This page is meant to help people who receives money at an account at Alior Bank Spolka Akcyjna without mistakes. A SWIFT code names a bank or branch, not a single account, which is why you always need the account number too.

Tracking a transfer to or from Alior Bank Spolka Akcyjna

There is no fixed delivery time for international payments: some land within a day, others take several business days. Transfers sent late in the day or on weekends and holidays often go out the next business day. Compliance checks on larger or unusual payments can also add some delay.

When a payment takes longer than expected, contact your bank about the status or the UETR. Money transfer services often show tracking online so you can see how far the payment has got.

If the money does not arrive after a few business days, the person who paid should contact their own bank, not the receiving bank. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

How up to date is this code?

The directory on GoldexPay is based on publicly available sources and is updated regularly. Institutions reorganise, change names and retire codes. The figures on this page reflect what is in our directory, not official figures from Alior Bank Spolka Akcyjna.

For any payment that matters, always check the code with Alior Bank Spolka Akcyjna or the recipient. GoldexPay has no connection to Alior Bank Spolka Akcyjna. If you notice something that is out of date, we welcome a message via the contact page.

Sending money abroad from Alior Bank Spolka Akcyjna

The price of a payment abroad has more than one component – not just the fee on your screen. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency, the bank often applies a rate below the actual market rate.

Banks do not list their exchange rate markup as a cost – you only notice it if you compare. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer. Next time you send money, take a minute comparing what arrives via GoldexPay. You can still keep your account at Alior Bank Spolka Akcyjna, while a cheaper service handles the conversion.

Euro transfers to Alior Bank Spolka Akcyjna: is a BIC needed?

Since Poland is in SEPA, a euro payment into Alior Bank Spolka Akcyjna from another SEPA country usually only needs an IBAN. Most banking apps do not require the BIC in that case.

You will still need ALBPPLPWXXX for payments in other currencies or transfers from countries outside SEPA. If a payment form has a field for the BIC anyway, entering ALBPPLPW is fine.

Instant payments in euros have become increasingly available across SEPA; check with Alior Bank Spolka Akcyjna whether it applies to your account. As long as the payment stays in euros, a SEPA transfer is inexpensive; it is the conversion that costs money.

Receiving money from abroad at Alior Bank Spolka Akcyjna

To receive a transfer from abroad at Alior Bank Spolka Akcyjna, the sender has to have more than the BIC. In practice that means: your full name as registered with Alior Bank Spolka Akcyjna, your account number or IBAN, the SWIFT/BIC code ALBPPLPWXXX (or ALBPPLPW) and sometimes your postal address.

You can include Alior Bank Spolka Akcyjna and Warszawa too, because some payment forms have separate fields for them. Check every detail before you send them.

An incoming payment will not always arrive in full. Charges on incoming payments vary from bank to bank. For business payments, it is common to agree who bears the costs to avoid a shortfall.

Alior Bank Spolka Akcyjna: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Alior Bank Spolka Akcyjna, spread over 1 cities. Next to the head office code ALBPPLPWXXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, use ALBPPLPWXXX or its short form ALBPPLPW. If you have been given a branch code, use it as it is instead of swapping it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

8 or 11 characters: ALBPPLPW versus ALBPPLPWXXX

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and a two-character location code. Together, those parts make up ALBPPLPW, the code most people search for.

XXX at the end of ALBPPLPWXXX is not a placeholder or a mistake: it stands for the main office of Alior Bank Spolka Akcyjna. Certain payment forms insist on 11 characters, in which case you simply enter XXX after ALBPPLPW.

As a rule the code is typed in capitals and without spaces. A single letter can send a payment to another bank, so copy it carefully.

Polish Zloty (PLN) and conversion costs

Poland pays in the Polish Zloty (PLN). When you pay another currency, the amount gets converted somewhere along the way. Each conversion costs the amount – usually through the rate rather than a fee.

Who does the conversion affects the final amount. Compare how much PLN arrives via different providers before choosing one.

The PLN rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate can be worth more than the fee.

Verifying the SWIFT code of Alior Bank Spolka Akcyjna

Ask the recipient to send you their account details straight from their online banking. Compare it against ALBPPLPW on this page and ask if anything does not match.

A wrong SWIFT code can cause delays, a payment being sent back or additional charges along the way. Remember the IBAN: an error there can be harder to undo than a wrong BIC.

A format check in your banking app merely confirms that the code exists. Where available, a name check on the recipient gives an extra layer of safety. A small test payment is a sensible step for large sums.

Scams that use SWIFT codes

Stay alert if a contact unexpectedly wants you to pay into another account or a bank in another country. The fact that ALBPPLPW exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Do not trust a phone number from the same email that contains the change. Pressure and 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 have them try to recall the payment.

Fraud can also target the receiver: someone claims to have sent more than agreed and wants you to refund the difference via a different route. Wait until the money is actually in your account.