SWIFT/BIC codes in St. Kitts & Nevis

Bank SWIFT codes for St. Kitts & Nevis

This overview contains 17 banks and other institutions in St. Kitts & Nevis. Each code identifies a bank or a specific branch or department and tells other banks where an international payment should go.

Look for the bank you need below and click through to see the full list of codes. Below the list we explain how codes from St. Kitts & Nevis are built, how to send money to St. Kitts & Nevis without overpaying and what to check before you pay.

The cheapest way to send money to St. Kitts & Nevis

An international bank payment to St. Kitts & Nevis can cost more than the fee suggests. On top of a fixed fee, correspondent banks can deduct a charge, and when the money is converted the bank often applies a rate below the actual market rate.

That exchange rate margin is often the largest part of the cost. An easy check: put the offered rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the rate. GoldexPay lists transfer services side by side so you can see what actually arrives in St. Kitts & Nevis.

The structure of a St. Kitts & Nevis SWIFT/BIC code

Bank identifier codes use one international format: eight characters. It starts with four letters for the bank, then two letters for the country and a two-character location code.

Whatever the bank, all St. Kitts & Nevis codes have the same fifth and sixth letters: the ISO code of the country. A code with a different country code come from a bank abroad – a quick way to catch mistakes.

The optional last three characters stand for a branch or department; XXX means the head office. Use a branch code just when the recipient’s bank asks for it; otherwise the head office code is the safe choice.

Why a transfer to St. Kitts & Nevis needs a SWIFT code

St. Kitts & Nevis is not part of the SEPA area. International transfers to St. Kitts & Nevis usually go through the SWIFT network.

In some countries, accounts are identified by a local account number instead of an IBAN. The recipient’s bank often has a list of required details for payments from abroad, and it is worth following them to the letter. SWIFT payments sometimes go via correspondent banks.

Getting paid from abroad into an account in St. Kitts & Nevis

A sender in another country will ask for several details from you – incomplete details often cause delays. Share the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. It helps to add the name and city of your bank as well.

What lands in your account is often lower than what was sent. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. On invoices, state how the fees are split, so nobody is left short.

About our data and how to check a code

Have the recipient send you their bank details directly from their banking app. A wrong code can cause a delay, a payment being sent back or extra fees.

We collect bank codes from public sources and update our list from time to time. Even so, banks merge, rename themselves or retire codes. Before any payment of any size, check the BIC with the recipient’s bank. GoldexPay is a comparison site, not a bank.

Watch out for invoices containing changed bank details. Always verify changed details through a separate channel, using a number you already had.

The largest SWIFT network in St. Kitts & Nevis: Banclear Trust Corporation

Of the 17 banks we list for St. Kitts & Nevis, Banclear Trust Corporation has the largest number of SWIFT codes. The head office of Banclear Trust Corporation uses BAUOKNN1XXX and that code covers most payments.

Many codes usually reflects that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Unless a branch code is given, the head office code BAUOKNN1XXX works for a payment to Banclear Trust Corporation.

Tracking a payment to St. Kitts & Nevis

A SWIFT payment to St. Kitts & Nevis typically needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in either country add extra days.

When a payment takes longer than expected, the sender should contact the sending bank – the receiving bank often cannot see a payment that has not arrived. Save your transfer receipt until the money has arrived – you will need it if something goes wrong.