Banco Finantia S.A. SWIFT/BIC code

What BFIAPTPL means for a payment to Banco Finantia S.A.

If an invoice shows BFIAPTPL or BFIAPTPLXXX, it is the same identifier for Banco Finantia S.A. in Portugal. A SWIFT code shows the sending bank exactly which bank is meant to get the money, much like a postcode for banks. In practice you mostly come across it on invoices from abroad, in your banking app and in the bank details of Banco Finantia S.A. customers.

This page is meant to help people who pays into an account at Banco Finantia S.A.. Remember that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

Protect yourself against fake payment requests

Criminals often use payment requests with changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify new bank details through a different channel, such as a phone number you already know, never via the email that asked for the change. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. When a payment has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone claims to have sent more than agreed and asks you to return the extra to a new account. Wait until the money has really arrived.

Banco Finantia S.A.: head office code versus branch codes

Our directory lists 5 SWIFT/BIC codes for Banco Finantia S.A. in 2 cities. Besides the head office code BFIAPTPLXXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, use BFIAPTPLXXX or its short form BFIAPTPL. Just use a branch code when your contact gives you that exact code, for example on a letter or invoice.

Unsure which code applies? Check with the recipient. Codes are sometimes changed or retired over time.

Why Banco Finantia S.A. has an 8- and an 11-character code

A BIC is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. In this case, that core is BFIAPTPL.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why BFIAPTPLXXX and BFIAPTPL lead to the same place.

Leave out spaces when you type BFIAPTPL. Pasting the code beats typing it by hand: a typo can point to another bank.

Incoming international payments to Banco Finantia S.A.

If you expect money from abroad, send the payer a complete set of details. Share your name as the bank knows it, the IBAN or account number, SWIFT code BFIAPTPLXXX and your address.

Their bank might request the address of your bank. A mistake in your account number can be more trouble than it looks, so copy the details from your online banking.

An incoming payment does not always land for the full amount. Charges on incoming payments differ from bank to bank. Agree with the sender who pays which costs before the money is sent.

When will the money arrive at Banco Finantia S.A.?

There is no fixed answer: some land the same day or the next while others need several business days. Bank holidays in either country add extra days, since banks do not process on those days. Compliance checks on larger or unusual payments may also add some delay, even when all details are correct.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique transaction reference, the UETR. Keep the payment confirmation until the money has arrived.

A delayed transfer is investigated by the sending bank. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Euro (EUR) and conversion costs

Portugal uses the Euro, with the currency code EUR. Money sent in a different currency is converted into EUR on its way to Banco Finantia S.A., and whoever converts it chooses the rate. You rarely see a separate line for that conversion – the cost sits in the rate.

Which bank converts the money makes a difference, because each party uses its own rate. Transferring the money already in EUR usually avoids a second conversion at the receiving end – as long as your own rate is good.

The rate for EUR changes constantly, so the amount you see is usually only valid for a short time. On larger amounts, even seemingly small gap in the rate adds up quickly.

SEPA payments and the Banco Finantia S.A. BIC

Portugal belongs to the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN.

Outside the euro and from non-SEPA countries, BFIAPTPLXXX is still part of the payment details. If a payment form has a field for the BIC regardless, entering BFIAPTPL does no harm.

Instant euro transfers have become widely available within SEPA; check with Banco Finantia S.A. whether it applies to your account. Charges on SEPA transfers are generally low as long as everything stays in euros.

Verifying the SWIFT code of Banco Finantia S.A.

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from BFIAPTPL or BFIAPTPLXXX, do not guess.

A wrong SWIFT code can cause delays, a returned payment or additional charges. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong code.

An automatic check by your bank only tells you that the IBAN is valid. Some banks now check the name with the account before you confirm. Sending a small amount first can be a sensible step for a large first payment, even if it costs an extra fee.

Paying someone abroad from your Banco Finantia S.A. account

What you pay for an international transfer has more than one component – not just the fee on your screen. There is the transfer fee, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate if the currency changes.

Many banks do not list their exchange rate markup as a cost. Check their rate with the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Banco Finantia S.A. as the source of the money, while a cheaper service handles the conversion.

A note on our data

The codes here are taken from public sources that we update regularly. It is possible that information on this page is no longer current, for example after a merger. Figures such as the number of codes come from our own dataset.

For any payment that matters, always check the code with Banco Finantia S.A. or with the recipient. GoldexPay is not affiliated with Banco Finantia S.A.; we are a comparison site for money transfers. If you notice a mistake, we appreciate a short note via the contact page.