Gutzwiller E. et Cie Banquiers SWIFT/BIC code

Gutzwiller E. et Cie Banquiers SWIFT code: GUTZCHBB

The short code GUTZCHBB and the full code GUTZCHBBXXX refer to the same bank: Gutzwiller E. et Cie Banquiers. A SWIFT code tells every bank in the chain exactly which bank should receive the money, much like a postcode for banks. It comes up mostly for payments that cross a border.

We wrote this page to help anyone who pays into an account at Gutzwiller E. et Cie Banquiers. A SWIFT code names an institution, never a single account; the IBAN or account number does that.

Swiss Franc (CHF) and conversion costs

Accounts at Gutzwiller E. et Cie Banquiers are typically held in CHF, the local currency of Switzerland. Money sent in a different currency is converted into CHF before it reaches the account – and the bank that does it picks the rate. Every conversion costs something, even when no fee is shown.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Transferring the amount already in CHF often prevents an extra conversion at the receiving end – as long as your own rate is good.

The rate for CHF fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, small differences in the rate make a real difference over a year.

Before you send: check the Gutzwiller E. et Cie Banquiers code

Ask the recipient to copy their bank details directly from their online banking. If the code you have does not match GUTZCHBB or GUTZCHBBXXX, do not guess – contact the recipient or Gutzwiller E. et Cie Banquiers.

With a wrong code, the transfer might be delayed, bounce back or cost extra. An error in the IBAN or account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

A validity check by your bank only confirms that the code exists. If your bank offers it, a payee name check before sending adds extra certainty. For a first payment, many people send a small test amount and wait for confirmation.

Paying someone abroad from your Gutzwiller E. et Cie Banquiers account

A bank transfer abroad costs more than the fee suggests. You pay the transfer fee, possibly charges from correspondent banks along the way and, above all, the exchange rate markup.

The markup on the rate tends to be the biggest item because it is hidden in the rate. A simple test: put the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently offer rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. You can still keep your account at Gutzwiller E. et Cie Banquiers as the source of the money.

Watch out for payment fraud

A common scam goes like this: an email arrives with a message claiming that a company now has new bank details and that the next payment should go there. The fact that GUTZCHBB exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Check new bank details through a different channel, such as a phone number you already know, never via the email that asked for the change. Pressure and secrecy are warning signs; a genuine business can wait for you to check. Already paid? Call your bank straight away and ask them to try to recall the payment.

Fraud also target the receiver. Someone sends more than agreed and asks you to return the extra. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Gutzwiller E. et Cie Banquiers: head office code versus branch codes

Gutzwiller E. et Cie Banquiers uses 2 different SWIFT/BIC codes. Only one is the head office code, GUTZCHBBXXX; the rest identify branches, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code GUTZCHBBXXX is the right choice. When you receive a specific code, use it as it is rather than replacing it for the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

A note on our data

Our SWIFT/BIC directory draws on public sources and is updated regularly. It is possible that a code here is no longer current. Counts and locations come from our own dataset and are not confirmed by Gutzwiller E. et Cie Banquiers.

See our directory on this page as a handy check, and let the details from the recipient or Gutzwiller E. et Cie Banquiers have the final say. We are an independent comparison service for money transfers and not affiliated with Gutzwiller E. et Cie Banquiers. Found an error? Let us know via our contact form so we can correct it.

What the XXX in GUTZCHBBXXX means

A BIC is built from a few fixed parts: the first four letters identify the bank, characters five and six show the country and characters seven and eight mark the location. That gives you GUTZCHBB.

Many banks and apps accept either length. If a form requires eleven characters, enter GUTZCHBBXXX, otherwise GUTZCHBB is fine.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. Pasting the code is safer than retyping it: a typo can point to another bank.

Paying Gutzwiller E. et Cie Banquiers in euros within SEPA

Because Switzerland is in SEPA, a euro transfer to Gutzwiller E. et Cie Banquiers from within the SEPA area usually requires just the IBAN. Many banks do not require the BIC in that case or fill it in for you.

You will still need GUTZCHBBXXX when sending non-euro payments or money from outside the SEPA area. A few forms still show a field for the BIC; in that case, fill in GUTZCHBB.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, the transfer is cheap; costs rise once a conversion is involved.

Getting paid from abroad into a Gutzwiller E. et Cie Banquiers account

Someone abroad who wants to pay you will ask for several details about your account. Share the account holder’s name, the IBAN or account number, SWIFT code GUTZCHBBXXX and your address, which some banks require.

You can add the bank name and Basle as well, because some payment forms have separate fields for them. Double-check every detail before you share them.

What lands in your account is often lower than the amount sent. Charges on incoming payments vary per bank – the price list of Gutzwiller E. et Cie Banquiers tells you what applies. On invoices, you can state who bears the costs, so that nobody is left short.

How long does an international transfer to Gutzwiller E. et Cie Banquiers take?

How fast a transfer arrives at Gutzwiller E. et Cie Banquiers is determined by several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

If a transfer seems delayed, contact your bank about the tracking status or the UETR so they can trace it along the chain. Specialist transfer services usually show tracking online showing where the payment is.

A delayed transfer has to be traced from the sending side on the basis of the transfer details. Ask the sender for a copy of the payment confirmation including the reference.