Bsi AG SWIFT/BIC code

Bsi AG SWIFT code: BSILCH22

The 8-character code BSILCH22 and the 11-character code BSILCH2275A identify the same bank: Bsi AG. The code does one job: it ensures that an international payment reaches the right bank. In daily life you usually come across the code on international invoices, in your banking app and in the bank details of Bsi AG customers.

On this page you can read how the code means, when you need it and which other details a transfer to or from Bsi AG requires. The SWIFT code alone does not identify an individual account holder; that is what the IBAN or account number is for.

Watch out for payment fraud

Stay alert when a contact suddenly asks you to pay into another account abroad. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Never rely on a phone number in the same message that announces the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Contact the bank you paid from without delay and have them try to recall the payment; also report it to the police.

People receiving money are targeted too: 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.

Paying Bsi AG in euros within SEPA

Because Switzerland is in SEPA, a euro transfer to Bsi AG from within the SEPA area usually only needs an IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

You still need BSILCH2275A when sending payments in other currencies or money from outside the SEPA area. A few banks and apps also show a field for the BIC; in that case, enter BSILCH22 or BSILCH2275A.

Euro payments within SEPA usually arrive within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low as long as everything stays in euros.

International transfers from Bsi AG: the real cost

What you pay for an international transfer is made up of several parts. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency, the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Check their rate with the mid-market rate.

Money transfer services frequently offer a rate near the mid-market rate. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can always use your account at Bsi AG as the source of the money; only the conversion and sending happen elsewhere.

Where our SWIFT data comes from

The details on this page are taken from publicly available data that we update regularly. It is possible that a code here is out of date, for example after a merger. The number of codes we show reflect what is in our directory and not on information from Bsi AG itself.

For a payment that matters, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is a comparison site for money transfers and not affiliated with Bsi AG. Spotted outdated information? Let us know via our contact form.

Transfer times and tracking a payment to Bsi AG

A SWIFT payment usually needs one to a few business days, depending on the currency, the route and the banks involved. Payments made late in the day or just before a weekend or public holiday often go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, ask your bank for the tracking status. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment has to be investigated from the sending side on the basis of the transfer details. On the receiving end, it helps to check your account for a partial amount.

Is BSILCH22 still correct? How to check

The most reliable place for the right code remains a document from the bank itself. Compare it against BSILCH22 here and ask if anything does not match.

If the code is wrong, the payment may be delayed, be returned or cost extra. An error in the account number is a bigger problem, so check that just as carefully.

A validity check in your banking app merely tells you that the code is valid. If your bank offers it, a name check on the recipient gives an extra layer of safety. When you pay someone new, some people send a small amount first.

The Swiss Franc and what conversion costs you

The currency of Switzerland is the Swiss Franc (CHF). Money sent in a different currency will be exchanged into CHF on its way to Bsi AG. Every conversion eats into something – usually through the rate rather than a fee.

Who converts the money makes a difference. Sending the money already in CHF often prevents a second conversion by Bsi AG, provided the rate you get is fair.

Rates for CHF move during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate add up over a year.

Getting paid from abroad into a Bsi AG account

When you are waiting for money from abroad, give the sender all details at once. The basics are: your name, IBAN or account number, BSILCH2275A or BSILCH22 and, for some countries, your postal address.

Their bank might also ask for the bank address of Bsi AG. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. For business payments, it is common to state how the fees are split.

What the XXX in BSILCH2275A means

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location. For Bsi AG, that core is BSILCH22.

Many banks and apps accept either length. If yours asks for eleven characters, use BSILCH2275A, otherwise BSILCH22 is fine.

Type the code in one piece, in upper case and without spaces. Look out for O versus 0 or I versus 1.

Which of the 2 codes of Bsi AG do you need?

Bsi AG has 2 different SWIFT/BIC codes across 2 cities. One of them is the head office code, BSILCH2275A; the others belong to branches or departments.

Usually there is no need to pick a branch: transfers addressed to BSILCH2275A are routed within Bsi AG correctly. Branch codes are only needed if the recipient’s bank explicitly mentions it.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes can change when banks reorganise, so do not rely on old paperwork.