Mirabaud and Cie SA SWIFT/BIC code

SWIFT/BIC code of Mirabaud and Cie SA

The short code MIRACHGG and the full code MIRACHGGXXX identify one and the same institution: Mirabaud and Cie SA, with its head office in Geneva. Banks worldwide use BIC codes to direct international transfers to the correct institution. In daily life you usually see it on invoices from abroad, in payment forms and in the bank details of Mirabaud and Cie SA customers.

On this page you will find how the code is put together, when it matters and which other details a transfer to or from Mirabaud and Cie SA requires. A SWIFT code identifies a bank or branch, not a specific account; the IBAN or account number does that.

How up to date is this code?

We collect bank codes from publicly available data and check them from time to time. Institutions merge, close branches and change codes. Counts and locations are from our directory.

Before any payment that matters, always check the BIC with Mirabaud and Cie SA or with the recipient. GoldexPay is independent of Mirabaud and Cie SA; we are a comparison site for money transfers. If you notice a mistake, we welcome a short note via the contact page.

Mirabaud and Cie SA: head office code versus branch codes

With 2 codes, Mirabaud and Cie SA is one of the banks that use separate codes for parts of the organisation and departments. The main code remains MIRACHGGXXX.

Usually there is no need to look up a branch: transfers addressed to MIRACHGGXXX are routed within Mirabaud and Cie SA correctly. A branch code only makes sense when the recipient’s bank explicitly mentions it.

If you are not sure, ask the person you are paying which code their bank gave them. Codes for branches are more likely to be retired than MIRACHGGXXX.

Swiss Franc (CHF) and conversion costs

Switzerland pays in the Swiss Franc, with the currency code CHF. Money sent in a different currency is converted into CHF – and the bank that does it picks the rate. Every conversion costs something.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Compare what CHF the recipient gets with several providers before choosing one.

Exchange rates change during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

What a transfer from Mirabaud and Cie SA abroad really costs

When you transfer money abroad from Mirabaud and Cie SA, the fee you see is only part of what you pay. Besides a fixed fee, correspondent or intermediary banks can take a cut, and if the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

The real cost is often in the rate: the bank converts using an exchange rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets for the same amount sent. Using a transfer service does not mean leaving Mirabaud and Cie SA – you pay the provider from your own account.

Verifying the SWIFT code of Mirabaud and Cie SA

Have the recipient copy their bank details straight from a recent statement. Compare that code with MIRACHGG here; if they differ, ask before you pay.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. A mistake in the IBAN or account number is more serious, because the money may be credited to someone else.

Many banking apps check the format of IBANs and some suggest the matching BIC. Where available, a payee name check before sending adds extra certainty. A small test payment can be worth it for large sums despite the extra fee.

Changed bank details? Be careful

Be alert when someone suddenly wants you to send money to a different account. That MIRACHGG is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Check new payment details through a different channel, such as a phone number you already know. Urgency or secrecy tend to be red flags; a genuine business can wait for you to check. 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 an overpayment and then sends a request to refund the difference. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Do you need MIRACHGG for a SEPA transfer?

Inside SEPA, euro transfers to an account in Switzerland use the same rules, so the IBAN does the job in most cases. The BIC field is usually optional or missing in that case.

The BIC does come into play for payments in other currencies and when the money comes from outside SEPA. If a payment form has a field for the BIC anyway, entering MIRACHGG does no harm.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, a SEPA transfer tends to be inexpensive.

What the XXX in MIRACHGGXXX means

The layout of every SWIFT code is always the same: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. The result is MIRACHGG, the short form of the code.

The long version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, so MIRACHGGXXX and MIRACHGG are interchangeable.

Type the code in one piece, in capitals and without separators. A wrong letter may route the money to another bank.

When will the money arrive at Mirabaud and Cie SA?

How fast a payment reaches Mirabaud and Cie SA depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or just before weekends and holidays usually start the next business day. Extra checks on larger or unusual payments may also cause some delay.

When a payment takes longer than expected, ask your bank about the status. Save your transfer receipt; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the sender needs to contact the bank that sent it rather than Mirabaud and Cie SA. On the receiving end, you can check your account to see a slightly lower amount.

Incoming international payments to Mirabaud and Cie SA

To receive a transfer from abroad at Mirabaud and Cie SA, the sender needs not just the SWIFT code. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC MIRACHGGXXX (or MIRACHGG) and sometimes your postal address.

Some sending banks also ask for the address of Mirabaud and Cie SA in Geneva. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

The amount you receive is often lower than the amount sent. Charges on incoming payments differ from bank to bank; check the price list of Mirabaud and Cie SA. Make clear with the sender who covers the fees, especially for larger amounts.