Psa International S.A. SWIFT/BIC code

PSAICHGG – the SWIFT/BIC code of Psa International S.A.

The short code PSAICHGG and the 11-character code PSAICHGGXXX refer to the same bank: Psa International S.A., with its head office in Geneva. The code has a single purpose: it makes sure that an international payment ends up at the right bank. In daily life you usually see it on invoices from abroad, in payment forms and on the account details that Psa International S.A. provides.

Below we go through the practical side: receiving money at Psa International S.A., paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify an individual account holder; that is what the IBAN or account number .

What the XXX in PSAICHGGXXX means

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that mark the location. Combined, these eight characters make up PSAICHGG, the code most people search for.

XXX at the end of PSAICHGGXXX is not a placeholder or a mistake: it stands for the main office of Psa International S.A.. Some forms insist on 11 characters, in which case you simply add XXX after PSAICHGG.

Do not add spaces when you type PSAICHGG or PSAICHGGXXX. A wrong letter can send the money to a different institution, so check it twice.

When will the money arrive at Psa International S.A.?

How fast a payment reaches Psa International S.A. depends on several factors: the currency, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks by one of the banks may also cause a delay, regardless of the details.

If a transfer seems delayed, contact your bank about the status or the UETR so they can trace it along the chain. Keep your transfer receipt until the money has arrived.

If a payment has not arrived within the expected time, the sender should start with their own bank, not the receiving bank. Request from the sender a copy of the payment confirmation with the date and reference.

Receiving money from abroad at Psa International S.A.

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, PSAICHGGXXX and often your postal address.

Their bank might also ask for the bank address of Psa International S.A., in which case the Geneva head office is the usual answer. A typo in the IBAN can be harder to fix than it looks.

The amount you receive can be less than what was sent. Fees for incoming transfers vary per bank – the price list of Psa International S.A. tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

Euro transfers to Psa International S.A.: is a BIC needed?

Since Switzerland is in the SEPA zone, a euro transfer to Psa International S.A. from another SEPA country usually requires just the IBAN. Many banks do not require the BIC in that case or fill it in for you.

You still need PSAICHGGXXX when sending non-euro payments or transfers from countries outside SEPA. If your banking app has a field for the BIC regardless, adding PSAICHGG does no harm.

SEPA transfers usually arrive within one business day. Provided no currency is converted, a SEPA transfer is cheap.

Head office or branch code at Psa International S.A.?

Psa International S.A. has 2 separate SWIFT/BIC codes. Only one is the head office code, PSAICHGGXXX; the rest belong to branches.

Unless the recipient tells you otherwise, go with PSAICHGGXXX. A branch code only makes sense if the account holder explicitly mentions it, which is more common for corporate accounts and trade services.

Unsure which code to use? Check with the recipient or the bank itself. Branch codes are sometimes changed or retired when banks reorganise.

Paying into Psa International S.A. in CHF

The local currency of Switzerland is the Swiss Franc (CHF). If you send money in a different currency it has to be converted at some point. You rarely see a separate line for the conversion.

Who converts the money makes a difference: every bank has its own margin. Often you pay less to send CHF straight away via a transfer service that converts near the mid-market rate.

Rates for CHF change all the time, and some providers let you lock in a rate. On larger amounts, a seemingly small gap in the rate adds up quickly.

How up to date is this code?

We collect SWIFT/BIC codes using public sources and check them regularly. Institutions merge, close branches and change codes. Figures such as the number of codes come from our directory.

Use this page as a starting point, rather than as the last word. GoldexPay is an independent comparison service and not affiliated with Psa International S.A.. Spotted outdated information? Let us know through the contact page.

Is PSAICHGG still correct? How to check

Have the recipient copy their account details straight from their online banking. When the code you were given differs from PSAICHGG or PSAICHGGXXX, do not guess – contact the recipient or Psa International S.A..

An incorrect BIC may lead to a delay, a returned payment or extra fees for investigation. Remember the IBAN: an error there can be more difficult to correct than a wrong BIC.

An automatic check by your bank merely confirms that the code exists. More and more banks check the name against the account; take any warning seriously. For a first payment, some people send a small amount first and wait for confirmation.

Watch out for payment fraud

Be alert when someone suddenly asks you to pay into a different account. The fact that PSAICHGG exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Never rely on contact details in the same message that announces the new account. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof – check your own account.

Paying someone abroad from your Psa International S.A. account

What you pay for a payment abroad has more than one component – not just the fee on your screen. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate when the money is converted.

The markup on the rate tends to be the biggest cost because it is hidden in the rate. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a transfer service turns out to be less expensive than a bank. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. You can always use your account at Psa International S.A. as the source of the money, while a cheaper service handles the conversion.