Axa Versicherungen AG SWIFT/BIC code

Axa Versicherungen AG SWIFT code: AXIPCHZZ

AXIPCHZZ and AXIPCHZZXXX are two ways of writing the same SWIFT/BIC code, and both point to Axa Versicherungen AG in Winterthur. A BIC does one job: it makes sure that money from abroad ends up at the right bank. In daily life you mostly see the code on invoices from abroad, in your banking app and in the bank details that Axa Versicherungen AG provides.

On this page you can read what the code is put together, when you need it and which other details you need for a transfer to or from Axa Versicherungen AG. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

Sending money abroad from Axa Versicherungen AG

The price of an international transfer is made up of several parts, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank often applies a rate below the real market rate.

The markup on the rate tends to be the biggest cost. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares what recipients receive across providers, so you can pick the cheapest route. Choosing a specialist does not require leaving Axa Versicherungen AG.

Which of the 12 codes of Axa Versicherungen AG do you need?

Axa Versicherungen AG has 12 different SWIFT/BIC codes. Only one is the head office code; the others belong to branches, and sometimes specific services.

Usually you do not need to pick a branch: payments addressed to AXIPCHZZXXX reach Axa Versicherungen AG correctly. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

The best way is to take the code straight from the account holder’s statement. Branch codes are sometimes changed or retired over time.

Receiving money from abroad at Axa Versicherungen AG

Someone abroad who wants to pay you needs several details from you. Give them the account holder’s name, the IBAN or account number, SWIFT code AXIPCHZZXXX and your address.

It helps to add Axa Versicherungen AG and its city as well, because some payment forms have separate fields for them. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.

When will the money arrive at Axa Versicherungen AG?

An international transfer usually needs anywhere from one to several business days. Weekends and public holidays in the sending or receiving country add extra days. Occasionally a bank asks about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A delayed transfer has to be investigated from the sending side. As a recipient, it helps to look at your account for a slightly lower amount.

A note on our data

Our SWIFT/BIC directory draws on publicly available sources. Institutions merge, change names and retire codes. The figures we show are based on what is in our directory, not official figures from Axa Versicherungen AG.

Treat our data as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is a comparison site and not affiliated with Axa Versicherungen AG. Should you notice something that is out of date, we welcome a short note.

Why Axa Versicherungen AG has an 8- and an 11-character code

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. For Axa Versicherungen AG, that core is AXIPCHZZ.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so AXIPCHZZXXX and AXIPCHZZ are interchangeable.

In practice the code is written in capitals, without spaces or dashes. Look out for O versus 0 or I versus 1; they are easy to mix up.

The Swiss Franc and what conversion costs you

Switzerland pays in the Swiss Franc (CHF). A payment in a foreign currency will be exchanged into CHF on its way to Axa Versicherungen AG – and the bank that does it picks the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money matters, because each party uses its own rate. Often it is cheaper to send CHF straight away via a provider with a good rate.

Exchange rates move all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate make a real difference over a year.

SEPA payments and the Axa Versicherungen AG BIC

Since Switzerland is part of SEPA, a euro payment to Axa Versicherungen AG from within the SEPA area normally only needs an IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

You will still need AXIPCHZZXXX for payments in other currencies or transfers from countries outside SEPA. If a payment form has a field for the BIC anyway, adding AXIPCHZZ does no harm.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. As long as the payment stays in euros, a SEPA transfer tends to be cheap; it is the conversion that costs money.

Protect yourself against fake payment requests

Fraudsters often send payment requests with new bank details, sometimes in an email that looks completely genuine. That AXIPCHZZ is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Verify new bank details through a separate channel, such as a phone number you already know, never via the email that asked for the change. Urgency and secrecy are warning signs – a real supplier can wait a day. Acted too fast? Contact your bank without delay and ask them to start a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. Wait until the money is actually in your account and check with Axa Versicherungen AG if anything seems off.

Verifying the SWIFT code of Axa Versicherungen AG

The safest source for the BIC is the bank details provided by the recipient. When the code you were given does not match AXIPCHZZ or AXIPCHZZXXX, stop and ask – contact the recipient or Axa Versicherungen AG.

With a wrong code, the transfer might be delayed, bounce back or cost extra. Remember the IBAN: an error there can be more difficult to undo than a wrong BIC.

A format check by your bank only tells you that the IBAN exists, not that it is the right account. Some banks now compare the payee name against the account before you confirm. When you pay someone new, some people send a small amount first.