Nest Bank S.A. SWIFT/BIC code

Nest Bank S.A. SWIFT code: NESBPLPW

The 8-character code NESBPLPW and the full code NESBPLPWXXX identify the same bank: Nest Bank S.A.. Banks worldwide use these codes to direct international transfers to the right bank. It comes up mostly when dealing with transfers between countries.

On this page you can read what the code is put together, when it matters and which other details you need for a transfer to or from Nest Bank S.A.. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

About this information

The codes on this page are taken from public sources. Banks merge, close branches and change codes. Figures such as the number of codes come from our directory and may differ from what Nest Bank S.A. publishes.

Treat our directory here as a helpful check, and let the details from the recipient or Nest Bank S.A. have the final say. We are an independent comparison service for money transfers and not affiliated with Nest Bank S.A.. Should you notice something that is out of date, we appreciate a short note.

Transfer times and tracking a payment to Nest Bank S.A.

A SWIFT payment usually needs one to a few business days. Payments made late in the day or on a weekend or public holiday usually go out the next business day. Sometimes a bank wants to know about the purpose of a payment.

If the money seems delayed, contact the sending bank about the tracking status. Specialist transfer services usually provide a status in their app showing where the payment is.

The bank that sent the money is able to request a trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your statements to see a slightly lower amount.

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a message claiming that a company now has new bank details and that the next payment should go there. A real SWIFT code tells you nothing about whether the request is genuine.

Before paying, verify a change of bank details through a phone call. Urgency or requests to keep it quiet are red flags. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Scams can also target the receiver: someone claims to have sent too much and wants you to refund the extra. Wait until the money has really arrived and check with Nest Bank S.A. if anything seems off.

Paying someone abroad from your Nest Bank S.A. account

A bank transfer abroad costs more than the listed fee. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest cost. An easy check: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. On GoldexPay you can compare what recipients receive across providers. Choosing a specialist does not mean leaving Nest Bank S.A.: you simply pay the service from your account.

SEPA payments and the Nest Bank S.A. BIC

Within the SEPA zone, euro transfers to Nest Bank S.A. follow common rules and in most cases need only the IBAN. A field for the BIC is usually optional or missing in that case.

For anything other than euros and for senders outside SEPA, NESBPLPWXXX remains part of the payment details. If your banking app asks for the BIC anyway, adding NESBPLPW does no harm.

Instant euro transfers have become increasingly available across SEPA – whether Nest Bank S.A. offers them for your account is worth checking. Provided no currency is converted, a SEPA transfer is cheap.

Nest Bank S.A.: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Nest Bank S.A., spread over 1 locations. Next to the head office code NESBPLPWXXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, go with NESBPLPWXXX or its short form NESBPLPW. When you receive a branch code, use it as it is instead of swapping it for the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes can change over time.

Receiving money from abroad at Nest Bank S.A.

If you expect money from abroad, send the payer everything they need in one go. Give them your name as the bank knows it, your account number or IBAN, SWIFT code NESBPLPWXXX and your address, which some banks require.

Their bank may also ask for the address of your bank, in which case the Warszawa head office is the usual answer. A mistake in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the incoming amount is below what the sender paid. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. For business payments, you can agree who bears the costs.

Why Nest Bank S.A. has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that mark the location. In this case, that core is NESBPLPW.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, so NESBPLPWXXX and NESBPLPW are interchangeable.

Enter the code as one block, in upper case and without spaces, exactly as shown here. Pasting the code is safer than retyping it.

How to check NESBPLPW before you pay

Have the recipient send you the bank details directly from a recent statement. Compare it against NESBPLPW on this page and ask if anything does not match.

An incorrect BIC may lead to delays, a payment being sent back or extra fees for investigation. An error in the account number can be a bigger problem; check it just as carefully.

Many banking apps validate the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Some banks now compare the payee name with the account before you confirm. When you pay someone new, many people start with a small test amount and wait for confirmation.

Paying into Nest Bank S.A. in PLN

The currency of Poland is the Polish Zloty (PLN). Money sent in a different currency will be exchanged into PLN on its way to Nest Bank S.A. – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Which bank converts the money matters, because each party uses its own rate. In many cases it is cheaper if you send PLN directly via a provider that converts near the mid-market rate rather than letting the receiving bank convert.

The PLN rate changes constantly and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over a year.