J.p. Morgan (Suisse) S.a SWIFT/BIC code

J.p. Morgan (Suisse) S.a SWIFT code: MGTCCHZZ

The 8-character code MGTCCHZZ and the full code MGTCCHZZXXX refer to one and the same institution: J.p. Morgan (Suisse) S.a, with its head office in Zurich. A SWIFT code tells the banks handling a payment exactly which bank should receive the money, a bit like a postal address for banks. In daily life you mostly come across it on invoices from abroad, in your banking app and on the account details that J.p. Morgan (Suisse) S.a provides.

We wrote this page to help people who sends money to an account at J.p. Morgan (Suisse) S.a. The SWIFT code alone cannot identify a personal account; for that you need the IBAN or account number is for.

How long does an international transfer to J.p. Morgan (Suisse) S.a take?

There is no fixed delivery time for every transfer: many arrive within a day while others need several business days. Transfers sent late in the day or just before weekends and holidays usually start the next business day. Compliance checks on larger or unusual payments can also add some delay, regardless of the details.

If a transfer is late, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide a status online showing where the money is.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

8 or 11 characters: MGTCCHZZ versus MGTCCHZZXXX

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. The result is MGTCCHZZ for J.p. Morgan (Suisse) S.a.

XXX at the end of MGTCCHZZXXX does not stand for a placeholder or a mistake: it stands for the head office of J.p. Morgan (Suisse) S.a. Some forms insist on 11 characters, in which case you simply add XXX after MGTCCHZZ.

In practice the code is typed in capitals. Copying the code is safer than retyping it: a typo can point to another bank.

Scams that use SWIFT codes

A common scam goes like this: an email arrives with a message saying that a company has a new bank account and asking you to pay there from now on. That MGTCCHZZ is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, confirm changed bank details by phone, using a number you already had. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. Already paid? Call your bank without delay and have them try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment followed by a request to refund the difference to another account. Do not act before the money has really arrived and check with J.p. Morgan (Suisse) S.a if anything seems off.

What to give a sender who pays you at J.p. Morgan (Suisse) S.a

To receive an international payment into your account at J.p. Morgan (Suisse) S.a, the sender has to have more than the SWIFT code. What they need is: your name, IBAN or account number, MGTCCHZZXXX or MGTCCHZZ and often your postal address.

Their bank might request the address of your bank. Check every detail before you share them.

The amount you receive can be less than what was sent. Fees for incoming transfers vary per bank; check the price list of J.p. Morgan (Suisse) S.a. On invoices, you can agree who bears the costs.

Paying J.p. Morgan (Suisse) S.a in euros within SEPA

Because Switzerland is part of SEPA, a euro transfer to J.p. Morgan (Suisse) S.a from another SEPA country normally only needs the IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

For anything other than euros and for senders outside SEPA, MGTCCHZZXXX remains required. If your banking app asks for the BIC regardless, entering MGTCCHZZ is fine.

Instant payments in euros are increasingly available across SEPA; check with J.p. Morgan (Suisse) S.a whether it applies to your account. Fees for SEPA transfers tend to be low.

Which of the 3 codes of J.p. Morgan (Suisse) S.a do you need?

J.p. Morgan (Suisse) S.a uses 3 different SWIFT/BIC codes across 2 locations. Only one is the head office code; the others identify branches or departments, and sometimes internal departments.

If nobody asks you for a branch code, use MGTCCHZZXXX or its short form MGTCCHZZ. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest approach is to take the code directly from the recipient’s invoice. Branch codes are more likely to change than MGTCCHZZXXX.

What a transfer from J.p. Morgan (Suisse) S.a abroad really costs

If you send money abroad through J.p. Morgan (Suisse) S.a, the visible fee is only part of the cost. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank usually applies a rate below the real market rate.

Banks rarely show their exchange rate markup separately. An easy check: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a transfer service is less expensive than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can still keep your account at J.p. Morgan (Suisse) S.a as the source of the money; only the conversion and sending happen elsewhere.

Swiss Franc (CHF) and conversion costs

Switzerland pays in the Swiss Franc. If you send money in a different currency it has to be converted somewhere along the way. There is rarely a separate line for that conversion.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Transferring the amount already in CHF usually avoids an extra conversion at the receiving end – as long as your own rate is good.

The rate for CHF fluctuates constantly, so the amount you see is usually only valid for a short time. For regular payments, a slightly better rate add up over time.

How to check MGTCCHZZ before you pay

The best place to find the correct BIC remains paperwork issued by the bank. Compare that code against MGTCCHZZ on this page.

An incorrect BIC may lead to a delay, a returned payment or additional charges for investigation. A mistake in the account number is more serious because it can reach the wrong person.

Most online banking apps validate the structure of an IBAN. More and more banks check the name with the account before you confirm; take any warning seriously. Sending a small amount first can be worth it for a large first payment.

A note on our data

The codes on this page come from publicly available data which we refresh regularly. Still, banks merge or retire codes and our data may lag behind. The number of codes we show reflect our own data.

Treat this page as a reference, not as the final word: the recipient’s bank details come first. GoldexPay has no connection to J.p. Morgan (Suisse) S.a. Should you notice something that is out of date, we appreciate a message.