Intermoney Valores S.v., S.A. SWIFT/BIC code

What IVALESMM means for a payment to Intermoney Valores S.v., S.A.

The short code IVALESMM and the full code IVALESMMXXX identify the same bank: Intermoney Valores S.v., S.A.. Banks worldwide use these codes to route payments between countries to the correct institution. In daily life you usually see the code on international invoices, in your banking app and in the bank details of Intermoney Valores S.v., S.A. customers.

Further down you will find the practical side: receiving money at Intermoney Valores S.v., S.A., sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

Tracking a transfer to or from Intermoney Valores S.v., S.A.

A SWIFT payment typically takes one to a few business days. Bank holidays in either country add extra days, since banks do not process on those days. Extra checks on larger or unusual payments can also add some delay.

When a payment takes longer than expected, ask the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Keep your transfer receipt until the money has arrived – you will need it for any trace request.

A delayed transfer is investigated by the sending bank on the basis of the transfer details. As a recipient, it helps to look at your account to see a partial amount.

Where our SWIFT data comes from

The details here are taken from public sources which we refresh regularly. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. Counts and locations come from our directory and are not confirmed by Intermoney Valores S.v., S.A..

Treat this page as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Intermoney Valores S.v., S.A., we only compare transfer services. Found outdated information? Let us know via our contact form.

Paying someone abroad from your Intermoney Valores S.v., S.A. account

The price of an international transfer has more than one component. There is the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate with a margin built in. Check their rate against the mid-market rate. The difference is your real conversion cost.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can always keep your account at Intermoney Valores S.v., S.A. as the source of the money, while a cheaper service handles the conversion.

Euro transfers to Intermoney Valores S.v., S.A.: is a BIC needed?

Spain is part of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN.

The BIC still matter when the currency is not euros and when the money comes from outside SEPA. If a payment form asks for the BIC regardless, entering IVALESMM is fine.

Instant payments in euros are widely supported across SEPA; check with Intermoney Valores S.v., S.A. whether it applies to your account. Provided no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

Scams that use SWIFT codes

Stay alert when someone suddenly wants you to pay into another account or a bank in another country. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust a phone number in the same message that announces the new account. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If a payment was sent to a fraudster, call your bank right away.

Scams can also target the receiver. Someone sends more than agreed and asks you to return the difference via a different route. Wait until the money has really arrived and check with Intermoney Valores S.v., S.A. if anything seems off.

Sending EUR to Intermoney Valores S.v., S.A.

Spain uses the Euro, code EUR. Money sent in a different currency will be converted into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Which bank converts the money matters, because each party uses its own rate. Often it is cheaper if you send EUR straight away via a transfer service with a good rate.

The rate for EUR changes throughout the day. With bigger transfers, even small gap in the rate can be worth more than the fee.

What the XXX in IVALESMMXXX means

A BIC is made up of a few fixed parts: the first four letters stand for the bank, the next two give the country and the two after that mark the location. The result is IVALESMM.

Many payment forms accept both lengths. If yours asks for eleven characters, enter IVALESMMXXX, otherwise IVALESMM is fine.

Leave out spaces or dashes when you enter IVALESMM or IVALESMMXXX. Look out for O versus 0 and I versus 1, a common source of typos.

Receiving money from abroad at Intermoney Valores S.v., S.A.

To receive an international payment at Intermoney Valores S.v., S.A., the sender needs more than the SWIFT code. The basics are: the account holder’s name, IBAN or account number, IVALESMMXXX and, for some countries, your postal address.

You can include Intermoney Valores S.v., S.A. and its city as well, since some forms ask for it. Check the details before you send them.

The amount you receive can be less than the amount sent. Fees for incoming transfers differ from bank to bank; check the price list of Intermoney Valores S.v., S.A.. On invoices, you can agree who bears the costs to avoid a shortfall.

Is IVALESMM still correct? How to check

The most reliable place for the right code is paperwork issued by the bank. Compare that code against IVALESMM on this page; if they differ, ask before you pay.

With a wrong code, the payment might get stuck, be returned or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there can be harder to correct than a wrong code.

A validity check by your bank only tells you that the IBAN exists, not that it is the right account. Where available, a payee name check on the recipient gives an extra layer of safety. When you pay someone new, many people send a small amount first.

Head office or branch code at Intermoney Valores S.v., S.A.?

Our database contains 2 SWIFT/BIC codes for Intermoney Valores S.v., S.A. in 1 places. Besides the head office code IVALESMMXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use IVALESMMXXX or its short form IVALESMM. Only use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

Not sure which code to use? Check with the recipient, or look at a recent statement from Intermoney Valores S.v., S.A.. Codes can change over time, so a code from an old document is not always valid.