Ac Bank SWIFT/BIC code

ELKARU3S – the SWIFT/BIC code of Ac Bank

The 8-character code ELKARU3S and the full code ELKARU3SXXX refer to the same bank: Ac Bank. A SWIFT code tells every bank in the chain which institution should receive the money. In daily life you mostly come across it on international invoices, in your banking app and on the account details of Ac Bank customers.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own does not identify a personal account; for that you need the IBAN or account number .

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and update them regularly. It can happen that information on this page is out of date. Counts and locations come from our directory.

Treat our directory here as a handy check. GoldexPay is not affiliated with Ac Bank; we are a comparison site for money transfers. Should you notice a mistake, we welcome a message.

What a transfer from Ac Bank abroad really costs

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

Banks rarely show the margin on the rate as a cost – you only notice it if you compare. An easy check: set the rate you get against the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate. Before your next transfer, it is worth to compare the total cost on GoldexPay. You can always keep your account at Ac Bank to fund the transfer, while a cheaper service handles the conversion.

How long does an international transfer to Ac Bank take?

There is no fixed answer: some land within a day. Bank holidays in the sending or receiving country add a day or more. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

A growing number of banks are connected to SWIFT gpi. Every payment gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually show a status online showing how far the payment is.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

Watch out for payment fraud

A common scam goes like this: an email arrives with a request saying that a contact has a new bank account and asking you to pay there from now on. The fact that ELKARU3S exists is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Verify changed payment 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 has already gone to a fraudster, call your bank right away.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to send back the difference abroad. Do not act before the money is actually in your account.

Before you send: check the Ac Bank code

Ask the recipient to send you their account details straight from a recent statement. Compare it against ELKARU3S on this page.

If the code is wrong, the payment might get stuck, bounce back or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number is more serious because it can reach the wrong person.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically. More and more banks compare the name with the account before you confirm; take any warning seriously. A small test payment is a sensible step for a large first payment despite the extra fee.

Which of the 3 codes of Ac Bank do you need?

With 3 codes, Ac Bank belongs to the banks that use separate codes for branches. The head office code is ELKARU3SXXX.

For most incoming transfers, the head office code ELKARU3SXXX works fine. Just use a branch code when the account holder gives you that exact code.

The safest route is to copy the code straight from the account holder’s bank details. Codes can change when banks reorganise.

8 or 11 characters: ELKARU3S versus ELKARU3SXXX

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. Together, these eight characters form ELKARU3S.

XXX at the end of ELKARU3SXXX is not a placeholder or an error: it stands for the main office of Ac Bank. Some banking apps insist on 11 characters, and then you can enter XXX after ELKARU3S.

Do not add spaces, dots when you enter ELKARU3S. Watch for the letter O and the digit 0 or I versus 1, a common source of typos.

Incoming international payments to Ac Bank

If you expect money from abroad, send the payer a complete set of details. The basics are: the account holder’s name, IBAN or account number, ELKARU3SXXX and often your postal address.

You can add Ac Bank and its city too, since some forms ask for it. Check every detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be less than what was sent. Charges on incoming payments differ from bank to bank. On invoices, you can state how the fees are split.