Banco Comercial de Macau S.a.r.l. SWIFT/BIC code

CMACPTP1 – the SWIFT/BIC code of Banco Comercial de Macau S.a.r.l.

The 8-character code CMACPTP1 and the full code CMACPTP1XXX refer to the same bank: Banco Comercial de Macau S.a.r.l., with its head office in Lisbon. A SWIFT code tells every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details that Banco Comercial de Macau S.a.r.l. provides.

This page is meant to help anyone who receives money at an account at Banco Comercial de Macau S.a.r.l. without mistakes. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

Scams that use SWIFT codes

Scammers often send payment requests containing new bank details sent from what looks like a familiar address. The fact that CMACPTP1 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Verify changed bank details via a different channel like a call to a number from an earlier contract. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If money was sent to a fraudster, call your bank right away.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof.

8 or 11 characters: CMACPTP1 versus CMACPTP1XXX

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. For Banco Comercial de Macau S.a.r.l., the 8-character core is CMACPTP1.

Many banks and apps accept either length. If yours requires eleven characters, enter CMACPTP1XXX.

Leave out spaces when you enter CMACPTP1; the code is always written in one block. Pasting the code beats typing it by hand.

What to give a sender who pays you at Banco Comercial de Macau S.a.r.l.

A sender in another country needs a few details about your account – incomplete details often cause delays. The basics are: your name, account number or IBAN, CMACPTP1XXX and, for some countries, your home address.

Certain sending banks also ask for the address of Banco Comercial de Macau S.a.r.l. in Lisbon; it does no harm to include it. Double-check each detail before you share them.

An incoming payment does not always arrive in full. Charges on incoming payments differ from bank to bank. Agree with the sender who covers the fees, especially for larger amounts.

Tracking a transfer to or from Banco Comercial de Macau S.a.r.l.

There is no fixed answer for every transfer: some land the same day or the next, others take several business days. Weekends and public holidays in either country can add a day or more to the journey. Extra checks by one of the banks can also cause a delay.

When a payment takes longer than expected, ask the sending bank for the status so they can trace it along the chain. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

A delayed transfer has to be traced by the sending bank, using the payment confirmation. Ask the sender for the payment receipt – it helps your own bank look for the money.

Sending EUR to Banco Comercial de Macau S.a.r.l.

Most accounts at Banco Comercial de Macau S.a.r.l. are usually held in EUR, the local currency. A payment in a foreign currency will be converted into EUR on its way to Banco Comercial de Macau S.a.r.l. – and the bank that does it picks the rate. There is rarely a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money matters: every bank has its own margin. In many cases it is cheaper to send EUR straight away through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The rate for EUR changes throughout the day. With bigger transfers, even small gap in the rate adds up quickly.

Where our SWIFT data comes from

This directory draws on publicly available sources. It can happen that a code here is out of date, for example after a merger. Figures such as the number of codes are from our directory.

Treat our data as a starting point, rather than as the final word. GoldexPay is a comparison service and not affiliated with Banco Comercial de Macau S.a.r.l.. If you notice something that is out of date, we appreciate a message.

How to check CMACPTP1 before you pay

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given differs from CMACPTP1 or CMACPTP1XXX, do not guess – contact the recipient or Banco Comercial de Macau S.a.r.l..

With a wrong code, the payment might be delayed, be returned or end up costing more. Do not forget the IBAN: a mistake there can be harder to undo than a wrong BIC.

Most online banking apps validate the format of IBANs and some suggest the matching BIC. Where available, a payee name check on the recipient adds extra certainty. A small test payment can be worth it for a large first payment.

Paying someone abroad from your Banco Comercial de Macau S.a.r.l. account

If you transfer money to another country through Banco Comercial de Macau S.a.r.l., the visible fee is only part of what you pay. Besides a fixed fee, banks in between can take a cut, and when currencies are converted the bank usually uses a rate below the actual market rate.

That exchange rate margin tends to be the biggest cost even though it is not listed as a fee. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay lists these services side by side so you can see the amount the recipient gets. You can still keep your account at Banco Comercial de Macau S.a.r.l., while a cheaper service handles the conversion.

Banco Comercial de Macau S.a.r.l.: head office code versus branch codes

Banco Comercial de Macau S.a.r.l. uses 2 different SWIFT/BIC codes. Only one is the head office code, CMACPTP1XXX; the rest belong to branches or departments.

If nobody asks you for a branch code, use CMACPTP1XXX. Branch codes are only needed when the account holder specifically mentions it.

Not sure which code to use? Ask the recipient, or look at a recent statement from Banco Comercial de Macau S.a.r.l.. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

Paying Banco Comercial de Macau S.a.r.l. in euros within SEPA

Since Portugal is in the SEPA zone, a euro payment to Banco Comercial de Macau S.a.r.l. from within the SEPA area usually requires just the IBAN. Most banking apps do not require the BIC for these payments.

A SWIFT code like CMACPTP1 still matter for payments in other currencies, and for transfers from outside SEPA. Some forms also show a field for the BIC; if so, fill in CMACPTP1 or CMACPTP1XXX.

Euro payments within SEPA usually arrive by the next business day. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.