Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) SWIFT/BIC code

SWIFT/BIC code of Krajowa Izba Rozliczeniowa S.A. (Kir S.A.)

Whether you are given EKIRPLP1 or EKIRPLP1XXX, it is the same identifier for Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) in Poland. Banks worldwide use BIC codes to direct international transfers to the correct institution. It comes up mainly for payments that cross a border and payments in foreign currencies.

Below you will find the practical questions: receiving money at Krajowa Izba Rozliczeniowa S.A. (Kir S.A.), paying someone in another country and how to verify the code before you hit send. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Scams that use SWIFT codes

Be alert when a contact suddenly asks you to send money to a different account abroad. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Never trust a phone number in the same message that announces the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Contact your bank straight away and ask them to try to recall the payment and report the fraud.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. Wait until the money is actually in your account and check with Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) if anything seems off.

Choosing between the 2 SWIFT codes of Krajowa Izba Rozliczeniowa S.A. (Kir S.A.)

Having 2 codes in 1 locations, Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) is one of the banks that register individual codes for branches and departments. The head office code remains EKIRPLP1XXX.

Unless the recipient tells you otherwise, go with EKIRPLP1XXX. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

When in doubt, check with the recipient which code their bank gave them. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Verifying the SWIFT code of Krajowa Izba Rozliczeniowa S.A. (Kir S.A.)

The safest source for a SWIFT code is the bank details provided by the recipient. Compare it against EKIRPLP1 here and ask if anything does not match.

If the code is wrong, the transfer might be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the IBAN: a mistake there is more difficult to undo than a wrong code.

Most online banking apps validate the structure of IBANs – that confirms the format, not the owner. More and more banks check the name against the account; take any warning seriously. When you pay someone new, many people start with a small test amount before sending the rest.

Polish Zloty (PLN) and conversion costs

Poland uses the Polish Zloty, with the currency code PLN. If you send money in a different currency it has to be converted somewhere along the way – by your bank, by Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) or by a bank in between. You rarely see a separate charge for the conversion – the cost sits in the rate.

Who converts the money makes a difference, because each party uses its own rate. Transferring the money already in PLN often prevents an extra conversion by Krajowa Izba Rozliczeniowa S.A. (Kir S.A.), provided the rate you get is fair.

The rate for PLN changes throughout the day. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Euro transfers to Krajowa Izba Rozliczeniowa S.A. (Kir S.A.): is a BIC needed?

Inside SEPA, euro payments to Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) use common rules and in most cases need only the IBAN. A field for the BIC is usually optional or missing for those payments.

You still need EKIRPLP1XXX when sending non-euro payments or transfers from countries outside SEPA. If a payment form has a field for the BIC regardless, entering EKIRPLP1 does no harm.

Instant payments in euros have become widely available within SEPA; check with Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) whether it applies to your account. Provided no currency is converted, the transfer tends to be inexpensive.

Transfer times and tracking a payment to Krajowa Izba Rozliczeniowa S.A. (Kir S.A.)

How quickly a transfer arrives at Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country add a day or more, since banks do not process on those days. Extra checks on larger or unusual payments can also cause a delay, even when all details are correct.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually show a status online showing where the money is.

The bank that sent the money is able to start an official trace. Request from the sender the payment receipt.

8 or 11 characters: EKIRPLP1 versus EKIRPLP1XXX

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. For Krajowa Izba Rozliczeniowa S.A. (Kir S.A.), that core is EKIRPLP1.

Most payment forms accept either length. If a form asks for eleven characters, use EKIRPLP1XXX.

As a rule the code is typed in capitals. Look out for O versus 0 or I versus 1; they are easy to mix up.

How up to date is this code?

The details on this page come from public sources which we refresh regularly. Even so, banks merge, rename themselves or change codes, so information can be out of date. The figures on this page reflect our own data.

Before any payment that matters, check the code with Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) or with the recipient. GoldexPay is independent of Krajowa Izba Rozliczeniowa S.A. (Kir S.A.); we are a comparison site for money transfers. Spotted an error? Let us know via our contact form and we will look into it.

Incoming international payments to Krajowa Izba Rozliczeniowa S.A. (Kir S.A.)

Someone abroad who wants to pay you needs a few details about your account. Share your name as the bank knows it, your account number or IBAN, the BIC EKIRPLP1XXX and your address.

It helps to add Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) and Warszawa too. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

Money from abroad does not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs before the money is sent.

What a transfer from Krajowa Izba Rozliczeniowa S.A. (Kir S.A.) abroad really costs

What you pay for a payment abroad is made up of several parts. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: set the bank’s rate against the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Krajowa Izba Rozliczeniowa S.A. (Kir S.A.): you simply pay the service from your account.