Schroder and Co Bank AG SWIFT/BIC code

SWIFT/BIC code of Schroder and Co Bank AG

The short code BJHSCHZZ and the 11-character code BJHSCHZZXXX identify the same bank: Schroder and Co Bank AG. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. In daily life you mostly come across the code on international invoices, in your banking app and on the account details of Schroder and Co Bank AG customers.

On this page you will find what the code means, when it matters and what else you need for a transfer to or from Schroder and Co Bank AG. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN is for.

BJHSCHZZ or BJHSCHZZXXX – which one to use?

A BIC is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and the two after that mark the location. Combined, these eight characters form BJHSCHZZ, the code most people search for.

Most payment forms work with either length. If yours requires eleven characters, use BJHSCHZZXXX; if it wants eight, use BJHSCHZZ.

Type the code as one block, in upper case and without separators. Copying the code beats typing it by hand.

Transfer times and tracking a payment to Schroder and Co Bank AG

There is no single answer for international payments: many arrive within a day while others need several business days. Weekends and public holidays in the sending or receiving country add extra days to the journey. Compliance checks by one of the banks may also add some delay.

When a payment takes longer than expected, contact the sending bank about the status or the UETR; with that reference banks can see where the payment is. Money transfer services often provide a status in their app showing how far the money has got.

Only the sending bank can request a trace or a recall. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Scams that use SWIFT codes

Criminals often send payment requests containing new bank details. A valid SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Verify new bank details via a different channel like a call to a number from an earlier contract, not by replying to the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If a payment has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

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

Sending CHF to Schroder and Co Bank AG

The local currency in Switzerland is the Swiss Franc (CHF). If you send another currency has to be converted at some point. Each conversion costs something – usually through the rate rather than a fee.

Who converts the money makes a difference: every bank has its own margin. Compare how much CHF arrives with different providers before choosing one.

Rates for CHF change all the time, and some providers let you lock in a rate. For regular payments, small differences in the rate make a real difference over a year.

Schroder and Co Bank AG: head office code versus branch codes

We have 2 SWIFT/BIC codes for Schroder and Co Bank AG. Besides the head office code BJHSCHZZXXX, there are codes for regional offices and specialised units.

For most incoming transfers, the head office code BJHSCHZZXXX works fine. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

The safest approach is to take the code straight from the account holder’s bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

What to give a sender who pays you at Schroder and Co Bank AG

For a transfer from abroad at Schroder and Co Bank AG, the person paying you needs not just the BIC. What they need is: your name, IBAN or account number, BJHSCHZZXXX and, for some countries, your home address.

Their bank may request the bank address of Schroder and Co Bank AG; the head office in Zurich is usually fine. A mistake in your account number is harder to fix than it looks; copy them from your banking app rather than typing.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank; check the price list of Schroder and Co Bank AG. Agree with the sender who pays which costs before the money is sent.

International transfers from Schroder and Co Bank AG: the real cost

What you pay for an international transfer is made up of several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

Many banks do not show their exchange rate markup separately. 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.

For many routes, a transfer service is less expensive than a bank – mostly thanks to the rate. Next time you send money, take a minute to compare the total cost on GoldexPay instead of going straight to your bank. You can still keep your account at Schroder and Co Bank AG as the source of the money; only the conversion and sending happen elsewhere.

A note on our data

Our SWIFT/BIC directory draws on publicly available sources and we update it periodically. Banks reorganise, close branches and change codes – a directory can be a step behind. Figures such as the number of codes are from our directory.

Treat the information here as a handy check. We are an independent comparison service and not affiliated with Schroder and Co Bank AG. Should you notice a mistake, we welcome a message via the contact page.

How to check BJHSCHZZ before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given does not match BJHSCHZZ or BJHSCHZZXXX, do not guess – contact the recipient or Schroder and Co Bank AG.

Errors in the BIC are costly rather than disastrous – usually the money comes back, minus fees and time lost. Do not forget the IBAN: an error there is more difficult to undo than a wrong BIC.

Most online banking apps validate the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Where available, a payee name check before sending adds extra certainty. When you pay someone new, some people start with a small test amount and wait for confirmation.

Euro transfers to Schroder and Co Bank AG: is a BIC needed?

Switzerland is a member of the SEPA area. For a standard euro transfer within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

You still need BJHSCHZZXXX for payments in other currencies or transfers from countries outside SEPA. Some forms still ask for the BIC; in that case, enter BJHSCHZZ.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.