BNP Paribas Espana, S.A. SWIFT/BIC code

BNPAESMM – the SWIFT/BIC code of BNP Paribas Espana, S.A.

If an invoice shows BNPAESMM or BNPAESMMXXX, it is the same identifier for BNP Paribas Espana, S.A. in Spain. A SWIFT code shows every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. You will need it mainly when dealing with transfers between countries.

We wrote this page to help people who receives money at an account at BNP Paribas Espana, S.A.. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN .

8 or 11 characters: BNPAESMM versus BNPAESMMXXX

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and characters seven and eight indicate the location. That gives you BNPAESMM, the short form of the code.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, which is why BNPAESMMXXX and BNPAESMM lead to the same place.

Leave out spaces or dashes when you enter BNPAESMM or BNPAESMMXXX. Watch for the letter O and the digit 0 and the letter I and the digit 1.

Receiving money from abroad at BNP Paribas Espana, S.A.

If you are waiting for a payment from another country, give the sender all details at once. The basics are: your name, IBAN or account number, BNPAESMMXXX or BNPAESMM and often your postal address.

Certain banks also ask for the bank’s address. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always land for the full amount. Charges on incoming payments vary from bank to bank – the price list of BNP Paribas Espana, S.A. tells you what applies. On invoices, it is common to agree how the fees are split, so that nobody is left short.

Sending money abroad from BNP Paribas Espana, S.A.

An international bank payment can cost more than the fee suggests. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

Many banks rarely list their exchange rate markup as a cost, but you pay it all the same. 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 traditional bank transfer, mainly because of the exchange rate. On GoldexPay we compare the amount that arrives with different services, so you can pick the cheapest route. Using a transfer service does not mean leaving BNP Paribas Espana, S.A..

Transfer times and tracking a payment to BNP Paribas Espana, S.A.

How quickly a transfer reaches BNP Paribas Espana, S.A. is determined by several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country add extra days. Compliance checks by one of the banks can also add a delay.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to check your account to see a slightly lower amount because fees can reduce the amount.

Changed bank details? Be careful

A common scam goes like this: you receive a message claiming that a contact now has a new bank account and asking you to pay there from now on. That BNPAESMM is a real code is no guarantee that a request mentioning it is legitimate.

Verify changed bank details through a separate channel, such as a phone number you already know, not by replying to the message. Watch out for time pressure, unusual wording or an email address that differs by one letter. If a payment has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is an overpayment followed by a request to send back the difference to another account. Wait until the money is actually in your account – ask BNP Paribas Espana, S.A. if something looks wrong.

Paying BNP Paribas Espana, S.A. in euros within SEPA

Spain is a member of the SEPA area. For a standard euro transfer within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

You still need BNPAESMMXXX for payments in other currencies or money from outside the SEPA area. A few banks and apps still show a field for the BIC; in that case, enter BNPAESMM.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

How to check BNPAESMM before you pay

The most reliable source for the BIC is the recipient’s own bank details. Check that code against BNPAESMM on this page; if they differ, ask before you pay.

With a wrong code, the payment may be delayed, bounce back or cost extra – sometimes after weeks of searching. An error in the account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Most online banking apps validate the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check on the recipient adds extra certainty. For a first payment, many people send a small test amount and wait for confirmation.

The Euro and what conversion costs you

Spain uses the Euro, with the currency code EUR. Money sent in a different currency will be exchanged into EUR on its way to BNP Paribas Espana, S.A., and whoever converts it chooses the rate. You rarely see a separate charge for the conversion.

Who does the conversion affects how much arrives, since every bank sets its own rate. Sending the money already in EUR often avoids an extra conversion by BNP Paribas Espana, S.A. – as long as your own rate is good.

The EUR rate fluctuates constantly. On larger amounts, even seemingly small gap in the rate adds up quickly.

Head office or branch code at BNP Paribas Espana, S.A.?

Having 2 codes in 1 locations, BNP Paribas Espana, S.A. belongs to the banks that use separate codes for branches and departments. The head office code is BNPAESMMXXX.

Unless the recipient tells you otherwise, use BNPAESMMXXX. Branch codes are only needed when the recipient’s bank specifically mentions it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

How up to date is this code?

We gather SWIFT/BIC codes from public sources and update our list regularly. Still, banks merge or change codes and our data may lag behind. The figures on this page reflect our own data, not official figures from BNP Paribas Espana, S.A..

Treat our directory here as a helpful check and rely on the recipient or BNP Paribas Espana, S.A. for the final confirmation. GoldexPay is independent of BNP Paribas Espana, S.A.; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.