Sis X-Clear LTD. SWIFT/BIC code

Sis X-Clear LTD. SWIFT code: CLRXCHZZ

CLRXCHZZ and CLRXCHZZXXX are two ways of writing the same SWIFT/BIC code, and both point to Sis X-Clear LTD. in Zurich. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the right bank. You will need it mostly for payments that cross a border and payments in foreign currencies.

We wrote this page to help anyone who receives money at an account at Sis X-Clear LTD.. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

Sis X-Clear LTD.: head office code versus branch codes

Sis X-Clear LTD. has 2 different SWIFT/BIC codes. Only one is the head office code, CLRXCHZZXXX; the rest belong to branches.

For the vast majority of incoming transfers, the head office code CLRXCHZZXXX is what you need. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

The safest route is to take the code directly from the recipient’s bank details. Codes can change over time, so a code from an old document is not always valid.

Tracking a transfer to or from Sis X-Clear LTD.

An international transfer typically needs anywhere from one to several business days. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Compliance checks on larger or unusual payments can also cause a delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the tracking status so they can trace it along the chain. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the person who paid should contact the bank that sent it. Ask the sender for a copy of the payment confirmation with the date and reference.

Sending CHF to Sis X-Clear LTD.

The national currency of Switzerland is the Swiss Franc (CHF). When you pay another currency it gets converted at some point – by your bank, by Sis X-Clear LTD. or by a bank in between. You rarely see a separate line for the conversion – the cost sits in the rate.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Transferring the money already in CHF usually prevents an extra conversion by Sis X-Clear LTD..

Rates for CHF move during the day, and some providers let you lock in a rate. For recurring payments, a slightly better rate make a real difference over time.

Incoming international payments to Sis X-Clear LTD.

When you expect money from abroad, send the payer all details at once. That means: your name as registered with Sis X-Clear LTD., your IBAN or account number, the SWIFT/BIC code CLRXCHZZXXX (or CLRXCHZZ) and usually your address.

Certain sending banks also ask for the address of Sis X-Clear LTD., so keep it at hand. A mistake in the IBAN is more trouble than you might think, so copy the details from your online banking.

An incoming payment does not always land for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. For business payments, you can state who bears the costs, so that nobody is left short.

Do you need CLRXCHZZ for a SEPA transfer?

Switzerland belongs to the SEPA area, the zone for uniform euro payments. For a standard euro transfer from another SEPA country, the IBAN is usually enough.

You will still need CLRXCHZZXXX for non-euro payments or transfers from countries outside SEPA. If a payment form has a field for the BIC regardless, entering CLRXCHZZ does no harm.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a request saying that a contact now has a new bank account and that the next payment should go there. The fact that CLRXCHZZ exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Always confirm a change of bank details through a phone call on a number you know, not one from the message. Pressure and requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Acted too fast? Call the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

Fraud can also work the other way: someone sends more than agreed and asks you to refund the extra. A screenshot of a transfer proves nothing.

International transfers from Sis X-Clear LTD.: the real cost

When you send money abroad via Sis X-Clear LTD., the fee you see is rarely all of the cost. There is the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. A simple test: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers frequently offer rates closer to the mid-market rate with clearer fees. Next time you send money, take a minute to compare the total cost via GoldexPay. You can always keep your account at Sis X-Clear LTD. to fund the transfer; only the conversion and sending happen elsewhere.

Before you send: check the Sis X-Clear LTD. code

The most reliable place for the right code remains paperwork issued by the bank. If the code you have does not match CLRXCHZZ or CLRXCHZZXXX, stop and ask: check with the recipient or with Sis X-Clear LTD. directly.

An incorrect BIC can cause a delay, a payment being sent back or additional charges along the way. Do not forget the IBAN: an error there is harder to undo than a wrong BIC.

A format check in your banking app merely confirms that the code is valid. Where available, a payee name check before sending gives extra certainty. For a first payment, many people send a small test amount.

Why Sis X-Clear LTD. has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. In this case, that core is CLRXCHZZ.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office.

In practice the code is typed in capitals. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

A note on our data

We gather SWIFT/BIC codes from publicly available data and check our list regularly. Institutions merge, close branches and change codes, and a directory never catches every change immediately. The number of codes on this page reflect our own data, not official figures from Sis X-Clear LTD..

Treat our data as a starting point, not as the last word – the bank details from the recipient are leading. We are a comparison site and not part of Sis X-Clear LTD.. If you notice something that is out of date, we welcome a short note via the contact page.