Anglo American SA Finance Limited SWIFT/BIC code

Anglo American SA Finance Limited SWIFT code: AACLZAJJ

AACLZAJJ and AACLZAJJXXX are the short and the long form of the same SWIFT/BIC code, and both point to Anglo American SA Finance Limited in Johannesburg. A SWIFT code tells the banks handling a payment which institution is meant to get the money. In practice you usually come across it on invoices from abroad, in payment forms and in the bank details that Anglo American SA Finance Limited provides.

On this page we explain how the code is put together, when it matters and which other details you need for a transfer to or from Anglo American SA Finance Limited. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

What to give a sender who pays you at Anglo American SA Finance Limited

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the BIC AACLZAJJXXX (or AACLZAJJ) and sometimes your address.

You can include Anglo American SA Finance Limited and its city too, since some forms ask for it. A typo in the IBAN is harder to fix than it looks; copy them from your banking app rather than typing.

The amount you receive is often lower than the amount sent. Fees for incoming transfers vary from bank to bank – the price list of Anglo American SA Finance Limited tells you what applies. On invoices, it is common to agree who bears the costs to avoid a shortfall.

Which of the 2 codes of Anglo American SA Finance Limited do you need?

Anglo American SA Finance Limited uses 2 different SWIFT/BIC codes across 1 cities. Only one is the head office code, AACLZAJJXXX; the others belong to branches or departments.

In most cases there is no need to pick a branch: payments addressed to AACLZAJJXXX are routed within Anglo American SA Finance Limited correctly. Branch codes are only needed if the recipient’s bank explicitly mentions it.

The best way is to copy the code directly from the account holder’s bank details. Branch codes are sometimes changed or retired over time.

Where our SWIFT data comes from

The details here come from public sources that we update regularly. Even so, banks merge or retire codes, so information can be out of date. Counts and locations are from our directory.

Use our data as a starting point, rather than as the last word: the recipient’s bank details come first. We are an independent comparison service for money transfers and not part of Anglo American SA Finance Limited. Should you notice a mistake, we welcome a message.

Tracking a transfer to or from Anglo American SA Finance Limited

How quickly a payment reaches Anglo American SA Finance Limited is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment before releasing it.

A growing number of banks are connected to SWIFT gpi. Each gpi transfer carries a unique reference, the UETR. Money transfer services usually show tracking in their app so you can see how far the payment has got.

If the money does not arrive within the expected time, the sender needs to contact their own bank, not the receiving bank. Ask the sender for the payment receipt with the date and reference.

The South African Rand and what conversion costs you

Accounts at Anglo American SA Finance Limited are typically held in ZAR, the national currency of South Africa. When you pay money in a different currency it has to be converted at some point – by your bank, by Anglo American SA Finance Limited or by a bank in between. You rarely see a separate charge for that conversion.

Who does the conversion affects how much arrives, since every bank sets its own rate. Transferring the money directly in ZAR often prevents a second conversion.

The rate for ZAR fluctuates constantly, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate adds up quickly.

8 or 11 characters: AACLZAJJ versus AACLZAJJXXX

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. Together, those parts make up AACLZAJJ, the code most people search for.

Many payment forms work with either length. If a form asks for eleven characters, enter AACLZAJJXXX.

Leave out spaces, dots when you type AACLZAJJ; the code is always written in one block. A single character may route the money to another bank, so copy it carefully.

Verifying the SWIFT code of Anglo American SA Finance Limited

The most reliable place for the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code with AACLZAJJ here and ask if anything does not match.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees. Remember the account number: a mistake there is harder to correct than a wrong code.

Most online banking apps validate the structure of IBANs 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 can be worth it for large sums.

International transfers from Anglo American SA Finance Limited: the real cost

A bank transfer abroad can cost more than the fee suggests. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

For many routes, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. On GoldexPay we compare what recipients receive across services, so you can pick the cheapest route. Choosing a specialist does not mean closing your account at Anglo American SA Finance Limited.

Protect yourself against fake payment requests

Criminals often send fake invoices containing new bank details. The fact that AACLZAJJ exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details by phone, using a number you already had. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. When money has already gone to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference. A payment confirmation from the sender proves nothing.