Neue Aargauer Bank AG SWIFT/BIC code

AHHBCH22 – the SWIFT/BIC code of Neue Aargauer Bank AG

AHHBCH22 and AHHBCH22XXX are the short and the long form of the same bank identifier, and both point to Neue Aargauer Bank AG in Aarau. The code has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mainly for transfers between countries or a currency.

On this page you can read how the code is put together, when you need it and what else a transfer to or from Neue Aargauer Bank AG requires. A SWIFT code identifies a bank or branch, not a specific account, which is why you always need the account number too.

International transfers from Neue Aargauer Bank AG: the real cost

If you transfer money abroad through Neue Aargauer Bank AG, the fee you see is only part of the cost. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Many banks rarely show the margin on the rate as a cost, but you pay it all the same. An easy check: set the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services often offer rates closer to the mid-market rate and lower fees. Next time you send money, it is worth to compare the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving Neue Aargauer Bank AG.

Protect yourself against fake payment requests

Scammers regularly use payment requests with changed bank details, sometimes in an email that looks completely genuine. The fact that AHHBCH22 exists is no guarantee that the account is genuine.

Verify new bank details through a different channel, never via the email that asked for the change. Pressure and requests to keep it quiet are red flags; a genuine business can wait for you to check. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference abroad. A payment confirmation from the sender proves nothing – check your own account.

What to give a sender who pays you at Neue Aargauer Bank AG

When you are waiting for a payment from another country, send the payer everything they need in one go. Give them the account holder’s name, the IBAN or account number, SWIFT code AHHBCH22XXX and your address, which some banks require.

The sender’s bank might also ask for the address of your bank; the head office in Aarau is usually fine. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Money from abroad will not always land in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees.

When will the money arrive at Neue Aargauer Bank AG?

There is no single delivery time for every transfer: many land within a day, others take several business days. Weekends and public holidays in either country add extra days to the journey. Compliance checks on larger or unusual payments may also cause some delay, regardless of the details.

If a transfer seems delayed, ask your bank for the status or the UETR so they can trace it along the chain. Money transfer services often provide tracking in their app showing where the money is.

Only the sending bank is able to request a trace or a recall. As a recipient, it helps to check your account to see a partial amount because fees can reduce the amount.

What the XXX in AHHBCH22XXX means

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location. Combined, these eight characters make up AHHBCH22 – the version you usually see online.

XXX at the end of AHHBCH22XXX is not a placeholder or a mistake: it indicates the head office of Neue Aargauer Bank AG. Some forms insist on 11 characters, in which case you can add XXX behind AHHBCH22.

Enter the code in one piece, in capitals and without spaces. A single character may route a payment to another bank.

SEPA payments and the Neue Aargauer Bank AG BIC

Switzerland belongs to the SEPA area. For a regular euro transfer from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need AHHBCH22XXX when sending payments in other currencies or transfers from countries outside SEPA. Some banks and apps also ask for the BIC out of habit; in that case, enter AHHBCH22 or AHHBCH22XXX.

SEPA transfers usually arrive within one business day; instant payments are faster if both banks offer them. Charges on SEPA payments are generally low, as long as no currency conversion is involved.

Choosing between the 4 SWIFT codes of Neue Aargauer Bank AG

Our database contains 4 SWIFT/BIC codes for Neue Aargauer Bank AG. Besides the head office code AHHBCH22XXX, there are codes for regional offices and specialised units.

For the vast majority of payments to a private or business account, the head office code AHHBCH22XXX is the right choice. A branch code only makes sense if the recipient’s bank explicitly mentions it, which is more common for business accounts and trade services.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more prone to change than AHHBCH22XXX when a bank merges or closes offices.

Swiss Franc (CHF) and conversion costs

Switzerland pays in the Swiss Franc, code CHF. If you send another currency has to be converted at some point: by your bank, an intermediary or Neue Aargauer Bank AG itself. Each conversion costs something – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Check what CHF arrives via several providers.

Rates for CHF change during the day – some services let you fix a rate in advance. On larger amounts, even small difference in the rate adds up quickly.

About this information

The details on this page come from publicly available data. Institutions reorganise, change names and change codes. The number of codes on this page reflect what is in our directory.

Treat our directory on this page as a helpful check. GoldexPay is independent of Neue Aargauer Bank AG. Spotted an error? Let us know through the contact page so we can correct it.

Is AHHBCH22 still correct? How to check

Ask the recipient to copy the bank details straight from their online banking. If the code you have differs from AHHBCH22 or AHHBCH22XXX, stop and ask: check with the recipient or with Neue Aargauer Bank AG directly.

A wrong SWIFT code can cause delays, a payment being sent back or extra fees along the way. Do not forget the IBAN: an error there is more difficult to correct than a wrong BIC.

A format check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks compare the payee name against the account before you confirm – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums, even if it costs an extra fee.