Banca Dello Stato del Cantone Ticino SWIFT/BIC code

What BSCTCH22 means for a payment to Banca Dello Stato del Cantone Ticino

Whether a recipient gives you BSCTCH22 or BSCTCH22XXX, it is the same identifier for Banca Dello Stato del Cantone Ticino in Switzerland. A BIC does one job: it makes sure that a cross-border transfer reaches the right bank. In daily life you mostly see the code on international invoices, in your banking app and in the bank details that Banca Dello Stato del Cantone Ticino provides.

We wrote this page to help people who receives money at an account at Banca Dello Stato del Cantone Ticino and wants to get the details right. A SWIFT code names an institution, never a single account; the IBAN or account number does that.

A note on our data

The details on this page are taken from public sources which we refresh regularly. It is possible that a code here is no longer current, for example after a merger. The number of codes on this page reflect our own data.

Use our data as a starting point, not as the final word. GoldexPay is an independent comparison site for money transfers and not affiliated with Banca Dello Stato del Cantone Ticino. If you notice a mistake, we welcome a short note.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a message saying that a company has a new bank account. A valid SWIFT code tells you nothing about who owns the account.

Always confirm a change of bank details by phone, using a number you already had. Pressure or secrecy tend to be red flags – a real supplier can wait a day. When money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way. Someone claims to have sent more than agreed and asks you to return the extra via a different route. Do not act before the money has really arrived – ask Banca Dello Stato del Cantone Ticino if something looks wrong.

Is BSCTCH22 still correct? How to check

The best place to find the correct BIC is a document from the bank itself. When the code you were given does not match BSCTCH22 or BSCTCH22XXX, do not guess.

Errors in the SWIFT code tend to be costly more than disastrous. A mistake in the account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Many banking apps validate the format of IBANs. Where available, a payee name check before sending gives an extra layer of safety. When you pay someone new, many people send a small test amount before sending the rest.

What a transfer from Banca Dello Stato del Cantone Ticino abroad really costs

What you pay for a payment abroad is made up of several parts, and the transfer fee is only the most visible one. On top of a fixed fee, banks in between can take a cut, and when the money changes currency the bank often applies a rate that is less favourable than the actual market rate.

The markup on the rate tends to be the biggest cost even though it is not listed as a fee. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. On GoldexPay we compare what recipients receive with different providers, so you can pick the cheapest route. Using a transfer service does not mean leaving Banca Dello Stato del Cantone Ticino.

Paying Banca Dello Stato del Cantone Ticino in euros within SEPA

Switzerland is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. For a standard euro transfer from another SEPA country, you normally only need the IBAN.

For anything other than euros and from non-SEPA countries, BSCTCH22XXX remains required. If your banking app has a field for the BIC regardless, entering BSCTCH22 is fine.

SEPA transfers normally land within one business day. Charges on SEPA transfers tend to be low.

When will the money arrive at Banca Dello Stato del Cantone Ticino?

An international transfer usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add a day or more. Sometimes a bank asks what the payment is for.

When a payment takes longer than expected, ask your 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 has to be traced from the sending side, using the payment confirmation. Ask the sender for the payment receipt.

Head office or branch code at Banca Dello Stato del Cantone Ticino?

With 4 codes in 4 locations, Banca Dello Stato del Cantone Ticino is one of the banks that register separate codes for parts of the organisation. The main code remains BSCTCH22XXX.

Usually there is no need to pick a branch: transfers addressed to BSCTCH22XXX are routed within Banca Dello Stato del Cantone Ticino without problems. If you have been given a specific code, use it as it is instead of replacing it for the head office code.

Unsure which code applies? Ask the recipient, or look at a recent statement from Banca Dello Stato del Cantone Ticino. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Why Banca Dello Stato del Cantone Ticino has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. That gives you BSCTCH22.

The full version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why BSCTCH22XXX and BSCTCH22 lead to the same place.

As a rule the code is typed in capitals and without spaces. Pasting the code is safer than typing it by hand.

What to give a sender who pays you at Banca Dello Stato del Cantone Ticino

If you are waiting for money from abroad, send the payer everything they need in one go. That means: your full name as registered with Banca Dello Stato del Cantone Ticino, your account number or IBAN, the SWIFT/BIC code BSCTCH22XXX (or BSCTCH22) and sometimes your address.

Some banks want the name and address of Banca Dello Stato del Cantone Ticino in Bellinzona. Double-check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive for the full amount. Fees for incoming transfers vary per bank; check the price list of Banca Dello Stato del Cantone Ticino. For business payments, you can agree how the fees are split.

Swiss Franc (CHF) and conversion costs

Accounts at Banca Dello Stato del Cantone Ticino are typically held in CHF, the national currency. When you pay another currency has to be converted at some point – by your bank, by Banca Dello Stato del Cantone Ticino or by a bank in between. Every conversion costs something.

Which bank converts the payment matters, because each party uses its own rate. Compare what CHF the recipient gets with several providers before choosing one.

The rate for CHF changes throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate add up over time.