SWIFT/BIC codes in Sint Maarten

Bank SWIFT codes for Sint Maarten

This directory lists 8 banks and financial institutions in Sint Maarten and 8 SWIFT/BIC codes between them. A BIC shows every bank in the chain exactly which bank is meant to get the money.

Pick a bank from the list to view its head office code and any branch codes, plus practical notes for sending and receiving money. The sections below covers the structure of the codes, what transfers cost and how to avoid mistakes.

Verifying a SWIFT code from Sint Maarten

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a statement or their online banking. A wrong code can cause delays, a returned payment or additional charges, so compare it with the list on this page.

We gather SWIFT/BIC codes from public sources and update them from time to time. Still, banks merge or change codes, so information can be out of date. Treat our data as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is a comparison service, not a bank.

Watch out for invoices with a new account. A real SWIFT code says nothing about whether a request is genuine – scammers use the codes of real banks.

Why a transfer to Sint Maarten needs a SWIFT code

For Sint Maarten you almost always need a SWIFT/BIC code. Without it, your bank will not send the transfer.

Not all countries use the IBAN; in that case the local account number is used instead. Ask the recipient which details their bank needs for incoming international payments. Before it arrives, a transfer can go through correspondent banks.

Bank or transfer service for Sint Maarten?

What you pay for a transfer to Sint Maarten is made up of several parts, and the fee on your screen is only one of them. You pay the transfer fee, possibly fees from correspondent banks along the way and, above all, the exchange rate markup if the money is converted.

The markup on the rate tends to be the largest part of the cost because it is hidden in the rate. Check the rate you are offered against the mid-market rate, the midpoint you see on financial news sites.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. Before your next transfer to Sint Maarten, take a minute to compare the total cost via GoldexPay instead of going straight to your bank.

What a sender needs to pay you in Sint Maarten

To receive a transfer from abroad in Sint Maarten, the sender needs not just the BIC. Give them your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Find the bank in the list above to check its code. It helps to add the name and city of your bank as well, since some payment forms ask for it.

The amount you receive can be less than the amount sent. Charges on incoming payments differ per bank; check the price list of your bank. For business payments, state who bears the costs to avoid a shortfall.

How long does a transfer to Sint Maarten take?

An international transfer to Sint Maarten usually needs one to a few business days. Public holidays in either country can add a day or more, because banks do not process payments on those days.

Many banks use SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR, which the sending bank can use to trace it. Save your transfer receipt until the recipient confirms.

The structure of a Sint Maarten SWIFT/BIC code

SWIFT/BIC codes use one international format: 8 characters. First comes a four-letter bank code, followed by a two-letter country code and two characters for the location.

For banks in Sint Maarten, letters five and six show the two-letter ISO code of Sint Maarten. A code with a different country code come from a bank abroad, even if the bank name looks familiar.

An 11-character code ends in a branch code – XXX stands for the head office. In most cases the head office code is what you need, unless the recipient gives you a branch code.

Most SWIFT codes in Sint Maarten: Banco di Caribe N.v Sint Maarten

Among the 8 institutions we list, Banco di Caribe N.v Sint Maarten has the most SWIFT/BIC codes of all banks in Sint Maarten. Its main office has BDCCSXSMXXX and that code covers most payments.

Banks differ in whether they register branch codes – a high count is not a measure of size. Unless the recipient asks for a branch, BDCCSXSMXXX is fine for a payment to Banco di Caribe N.v Sint Maarten.