Caceis Bank, Switzerland Branch SWIFT/BIC code

What ISAECH2N means for a payment to Caceis Bank, Switzerland Branch

If an invoice shows ISAECH2N or ISAECH2NXXX, you are looking at the same identifier for Caceis Bank, Switzerland Branch in Switzerland. A SWIFT code shows every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. In practice you mostly come across the code on invoices from abroad, in payment forms and on the account details that Caceis Bank, Switzerland Branch provides.

Below we go through the practical questions: receiving money at Caceis Bank, Switzerland Branch, sending money abroad and how to check the code before you hit send. Remember that the BIC just identifies the bank, not the person: the IBAN or account number does that part.

Tracking a transfer to or from Caceis Bank, Switzerland Branch

An international transfer usually needs one to a few business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country can add extra days. Extra checks by one of the banks can also add some delay.

If the money is delayed, contact the sending bank about the status or the UETR so they can trace it along the chain. Specialist transfer services usually provide tracking online showing where the payment has got.

If a payment has not arrived within the expected time, the person who paid should start with their own bank, not the receiving bank. On the receiving end, it helps to look at your statements for a partial amount because fees can reduce the amount.

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and check them from time to time. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory and may differ from what Caceis Bank, Switzerland Branch publishes.

Use our data as a reference, rather than as the last word – the bank details from the recipient are leading. We are an independent comparison service for money transfers and not affiliated with Caceis Bank, Switzerland Branch. Should you notice something that is out of date, we welcome a message via the contact page.

Protect yourself against fake payment requests

Criminals often send fake invoices containing changed bank details sent from what looks like a familiar address. The fact that ISAECH2N exists does not mean that the account is genuine; criminals use the codes of real banks too.

Verify new payment details via a separate channel, such as a phone number you already know, not by replying to the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. If money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent more than agreed and wants you to refund the difference. Wait until the money has really arrived – ask Caceis Bank, Switzerland Branch if something looks wrong.

Euro transfers to Caceis Bank, Switzerland Branch: is a BIC needed?

Switzerland belongs to the Single Euro Payments Area (SEPA). For a regular euro transfer from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

You still need ISAECH2NXXX for non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC anyway, entering ISAECH2N is fine.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Charges on SEPA transfers tend to be low.

Which of the 2 codes of Caceis Bank, Switzerland Branch do you need?

With 2 codes in 1 locations, Caceis Bank, Switzerland Branch is one of the banks that register separate codes for branches and departments. The main code remains ISAECH2NXXX.

Usually you do not need to pick a branch: payments sent to ISAECH2NXXX reach Caceis Bank, Switzerland Branch correctly. A branch code only makes sense if the account holder explicitly asks for it, which is more common for corporate accounts and trade services.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

International transfers from Caceis Bank, Switzerland Branch: the real cost

An international bank payment costs rather more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

Many banks do not list their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares the amount that arrives with different providers. You can still use your account at Caceis Bank, Switzerland Branch, while a cheaper service handles the conversion.

Getting paid from abroad into a Caceis Bank, Switzerland Branch account

If you expect a payment from another country, send the payer a complete set of details. Give them your name as the bank knows it, your account number or IBAN, SWIFT code ISAECH2NXXX and your address, which some banks require.

It helps to add Caceis Bank, Switzerland Branch and its city as well. Double-check the details before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always land for the full amount. Charges on incoming payments vary from bank to bank; check the price list of Caceis Bank, Switzerland Branch. Make clear with the sender who covers the fees, especially for larger amounts.

ISAECH2N or ISAECH2NXXX – which one to use?

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and two for the location. Combined, those parts make up ISAECH2N.

XXX at the end of ISAECH2NXXX does not stand for a placeholder or a mistake: it stands for the head office of Caceis Bank, Switzerland Branch. Some forms ask for 11 characters, and then you simply enter XXX after ISAECH2N.

In practice the code is written in capitals. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

How to check ISAECH2N before you pay

The safest source for a SWIFT code is the bank details provided by the recipient. Check it against ISAECH2N here.

Errors in the BIC tend to be annoying rather than fatal. A mistake in the account number is more serious, so check that just as carefully.

Many banking apps check the format of IBANs – that confirms the format, not the owner. More and more banks check the name against the account before you confirm. Sending a small amount first is worth it for large sums despite the extra fee.

Paying into Caceis Bank, Switzerland Branch in CHF

Most accounts at Caceis Bank, Switzerland Branch are usually held in CHF, the local currency. A payment in a foreign currency will be exchanged into CHF, and whoever converts it chooses the rate. There is rarely a separate charge for that conversion; it is built into the rate.

Which bank converts the payment makes a difference. Sending the amount already in CHF often avoids an extra conversion at the receiving end.

Exchange rates move during the day. If you pay regularly, small differences in the rate add up over time.