Evo Banco S.A. SWIFT/BIC code

SWIFT/BIC code of Evo Banco S.A.

Whether you are given EVOBESMM or EVOBESMMXXX, it is the same identifier for Evo Banco S.A. in Spain. Banks worldwide use these codes to direct payments between countries to the correct bank. It comes up mostly for payments that cross a border or a currency.

On this page you will find what the code means, when you need it and which other details a transfer to or from Evo Banco S.A. requires. A SWIFT code identifies a bank or branch, not a single account, which is why you always need the account number too.

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

Evo Banco S.A. has 3 different SWIFT/BIC codes. One of them is the head office code; the rest identify branches, and sometimes specific services.

In most cases you do not need to pick a branch: transfers sent to EVOBESMMXXX reach Evo Banco S.A. correctly. A branch code only makes sense if the account holder specifically mentions it.

Not sure which code applies? Check with the recipient. Codes can change over time, so a code from an old document is not always valid.

How to check EVOBESMM before you pay

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from EVOBESMM or EVOBESMMXXX, do not guess – contact the recipient or Evo Banco S.A..

If the code is wrong, the payment may get stuck, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: a mistake there is more difficult to correct than a wrong code.

Most online banking apps validate the structure of an IBAN, but that does not prove the account belongs to the right person. More and more banks compare the payee name with the account – do not ignore a mismatch warning. When you pay someone new, many people send a small amount first before sending the rest.

Do you need EVOBESMM for a SEPA transfer?

Spain is a member of the Single Euro Payments Area (SEPA). When you send euros from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

A SWIFT code like EVOBESMM does matter for payments in other currencies. A few banks and apps still show a field for the BIC; in that case, fill in EVOBESMM.

Instant euro transfers have become widely supported across SEPA – whether Evo Banco S.A. offers them for your account is worth checking. Provided no currency is converted, the transfer is inexpensive; costs rise once a conversion is involved.

Sending EUR to Evo Banco S.A.

Most accounts at Evo Banco S.A. are typically held in EUR, the national currency of Spain. If you send another currency has to be converted at some point. There is rarely a separate line for that conversion – the cost sits in the rate.

Who converts the money makes a difference: every bank has its own margin. Often it is cheaper if you send EUR directly through a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR change all the time. For regular payments, small differences in the rate add up over time.

Where our SWIFT data comes from

We gather bank codes using publicly available data and update them regularly. Even so, banks merge or retire codes and our data may lag behind. Counts and locations are from our own dataset and are not confirmed by Evo Banco S.A..

Before any payment of any size, confirm the BIC with Evo Banco S.A. or the recipient. GoldexPay has no connection to Evo Banco S.A.; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page so we can correct it.

What to give a sender who pays you at Evo Banco S.A.

Someone abroad who wants to pay you will ask for a few details from you, and missing ones are a common cause of delays. Give them your name as the bank knows it, your account number or IBAN, the BIC EVOBESMMXXX and your address, which some banks require.

Certain sending banks want the name and address of Evo Banco S.A. in Madrid; it does no harm to include it. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is below what the sender paid. Charges on incoming payments differ per bank. On invoices, it is common to state how the fees are split to avoid a shortfall.

Changed bank details? Be careful

Stay wary if someone suddenly asks you to pay into a different account. That EVOBESMM is a real code is no guarantee that the account is genuine.

Check new bank details through a separate channel, not by replying to the message. Urgency or requests to keep it quiet are warning signs. If a payment has already gone to a fraudster, contact your bank immediately.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer proves nothing – check your own account.

What a transfer from Evo Banco S.A. abroad really costs

The price of a payment abroad is made up of several parts. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

The real cost is often in the rate: many banks convert using an exchange rate with a margin built in. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

For many routes, a specialist provider turns out to be cheaper than a bank. Before your next transfer, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Evo Banco S.A. to fund the transfer.

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

How quickly a payment arrives at Evo Banco S.A. is determined by several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment before releasing it.

If the money seems late, ask your bank for the status. Specialist transfer services usually show tracking in their app so you can see how far the payment has got.

If a payment has not arrived after a few business days, the sender needs to start with their own bank rather than Evo Banco S.A.. On the receiving end, it helps to look at your account for a partial amount.

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

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six show the country and characters seven and eight mark the location. Together, these eight characters make up EVOBESMM, the code most people search for.

The long version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, so EVOBESMMXXX and EVOBESMM are interchangeable.

Enter the code in one piece, in upper case and without separators. Look out for the letter O and the digit 0 and I versus 1, a common source of typos.