Bank Bph SA SWIFT/BIC code

Bank Bph SA SWIFT code: BPHKPLPK

If an invoice shows BPHKPLPK or BPHKPLPKXXX, you are looking at the identical identifier for Bank Bph SA in Poland. Every bank on the SWIFT network uses these codes to route international transfers to the correct institution. You will need it mostly when dealing with payments that cross a border.

This page is meant to help people who pays into an account at Bank Bph SA without mistakes. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

Polish Zloty (PLN) and conversion costs

Accounts at Bank Bph SA are typically held in PLN, the national currency of Poland. When you pay money in a different currency it has to be converted at some point – by your bank, by Bank Bph SA or by a bank in between. Each conversion eats into something.

Who does the conversion has an effect on the final amount. Check what PLN the recipient gets with several services.

Exchange rates move all the time – some services let you fix a rate in advance. If you pay regularly, small differences in the rate add up over a year.

Getting paid from abroad into a Bank Bph SA account

A sender in another country needs a few details about your account – incomplete details often cause delays. In practice that means: your full name as registered with Bank Bph SA, your IBAN or account number, the BIC BPHKPLPKXXX and sometimes your address.

Some banks also ask for the address of Bank Bph SA in Gdansk. Double-check the details before you share them.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments differ from bank to bank – the price list of Bank Bph SA tells you what applies. For business payments, it is common to state who bears the costs to avoid a shortfall.

BPHKPLPK or BPHKPLPKXXX – which one to use?

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location. For Bank Bph SA, the 8-character core is BPHKPLPK.

Many banks and apps accept both lengths. If yours requires eleven characters, use BPHKPLPKXXX, otherwise BPHKPLPK is fine.

Do not add spaces or dashes when you type BPHKPLPK. A wrong letter may route a payment to a different institution, so check it twice.

Transfer times and tracking a payment to Bank Bph SA

An international transfer usually takes one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays often go out a business day later. Compliance checks on larger or unusual payments may also add some delay, even when all details are correct.

If the money is late, ask your bank about the tracking status or the UETR; with that reference banks can see where the payment is. Save your transfer receipt – you will need it for any trace request.

If the money does not arrive within the expected time, the sender needs to start with their own bank, not the receiving bank. Ask the sender for the payment receipt – it helps your own bank look for the money.

Which of the 3 codes of Bank Bph SA do you need?

Having 3 codes, Bank Bph SA belongs to the banks that use separate codes for parts of the organisation and departments. The main code remains BPHKPLPKXXX.

Unless the recipient tells you otherwise, use BPHKPLPKXXX or its short form BPHKPLPK. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

The best way is to take the code straight from the recipient’s bank details. Codes for branches are more prone to be retired than BPHKPLPKXXX when a bank merges or closes offices.

Verifying the SWIFT code of Bank Bph SA

The most reliable place for the right code is a document from the bank itself. Check that code with BPHKPLPK on this page.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. Remember the IBAN: an error there can be more difficult to correct than a wrong BIC.

Many banking apps validate the format of IBANs and some suggest the matching BIC. If your bank offers it, a name check on the recipient adds extra certainty. A small test payment is a sensible step for large sums despite the extra fee.

About this information

The codes on this page come from public sources that we update regularly. It is possible that information here is out of date after a merger or reorganisation. Counts and locations are from our own dataset and are not confirmed by Bank Bph SA.

Use our data as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Bank Bph SA, we only compare transfer services. Found outdated information? Tell us through the contact page.

Scams that use SWIFT codes

Be wary when a contact unexpectedly wants you to send money to another account. That BPHKPLPK is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Do not rely on a phone number in the same message that announces the new account. Pressure or requests to keep it quiet are warning signs; a genuine business can wait for you to check. If money has already gone to the wrong account, contact your bank immediately.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. Wait until the money is actually in your account.

Sending money abroad from Bank Bph SA

What you pay for a payment abroad has more than one component. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

Banks rarely show the margin on the rate as a cost. Compare the rate you are offered with the mid-market rate.

Money transfer services frequently use a rate near the mid-market rate with clearer fees. Next time you send money, take a minute to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require closing your account at Bank Bph SA.

Paying Bank Bph SA in euros within SEPA

Because Poland is part of SEPA, a euro payment to Bank Bph SA from another SEPA country usually only needs an IBAN. Most banking apps do not require the BIC in that case.

You still need BPHKPLPKXXX for non-euro payments or money from outside the SEPA area. Some forms also ask for the BIC out of habit; in that case, enter BPHKPLPK or BPHKPLPKXXX.

Instant payments in euros have become widely available across SEPA – whether Bank Bph SA offers them for your account is worth checking. As long as the payment stays in euros, a SEPA transfer is cheap; costs rise once a conversion is involved.