Six Sis AG SWIFT/BIC code

Six Sis AG SWIFT code: INSECHZZ

The 8-character code INSECHZZ and the full code INSECHZZXXX identify the same bank: Six Sis AG, with its head office in Zurich. A SWIFT code tells the banks handling a payment which institution should receive the money, much like a postcode for banks. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details that Six Sis AG provides.

Further down we go through the practical side: receiving money at Six Sis AG, sending money abroad and how to check a SWIFT code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Sending money abroad from Six Sis AG

The price of an international transfer is made up of several parts. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency, the bank usually applies a rate that is less favourable than the actual market rate.

Banks rarely show their exchange rate markup separately. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialised transfer providers often use a rate near the mid-market rate with clearer fees. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. You can always keep your account at Six Sis AG, while a cheaper service handles the conversion.

Six Sis AG: head office code versus branch codes

Our database contains 9 SWIFT/BIC codes for Six Sis AG. Next to the head office code INSECHZZXXX, there are codes for individual branches and departments.

If nobody asks you for a branch code, go with INSECHZZXXX. Branch codes are only needed when the account holder explicitly mentions it, which is more common for business accounts and specialised services.

If you are not sure, ask the person you are paying which code their bank gave them. Codes can change over time.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on public sources and is updated regularly. It can happen that information here is no longer current. Counts and locations are from our own dataset and may differ from what Six Sis AG publishes.

Treat the information here as a helpful check and rely on the recipient or Six Sis AG for the final confirmation. GoldexPay is an independent comparison service for money transfers and not affiliated with Six Sis AG. Spotted outdated information? Tell us via our contact form so we can correct it.

Is INSECHZZ still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. If the code you have differs from INSECHZZ or INSECHZZXXX, do not guess: check with the recipient or with Six Sis AG directly.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges for investigation. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person.

An automatic check by your bank merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now check the payee name with the account. When you pay someone new, some people send a small test amount and wait for confirmation.

Euro transfers to Six Sis AG: is a BIC needed?

Since Switzerland is in the SEPA zone, a euro transfer to Six Sis AG from within the SEPA area usually only needs the IBAN. Many banks no longer ask for the BIC in that case or fill it in for you.

For anything other than euros and for senders outside SEPA, INSECHZZXXX or INSECHZZ remains part of the payment details. A few forms still ask for the BIC out of habit; in that case, enter INSECHZZ.

Instant payments in euros have become increasingly supported across SEPA; check with Six Sis AG whether it applies to your account. Provided no currency is converted, the transfer is inexpensive.

Paying into Six Sis AG in CHF

Most accounts at Six Sis AG are typically held in CHF, the national currency of Switzerland. A payment in a foreign currency will be exchanged into CHF before it reaches the account. Every conversion eats into something, even when no fee is shown.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Check how much CHF arrives with different providers; the difference between options can be larger than you expect.

The CHF rate changes throughout the day. For recurring payments, small differences in the rate add up over time.

Watch out for payment fraud

Be wary when someone unexpectedly wants you to send money to another account or a bank in another country. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check new bank details through a separate channel like a call to a number from an earlier contract. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and ask them to try to recall the payment.

Fraud can also target the receiver: someone sends too much and asks you to return the extra. Wait until the money is actually in your account – ask Six Sis AG if something looks wrong.

Transfer times and tracking a payment to Six Sis AG

An international transfer typically needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Occasionally a bank wants to know what the payment is for.

A growing number of banks use SWIFT gpi. Each payment carries a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services often provide a status in their app so you can see how far the payment is.

A missing payment has to be traced from the sending side on the basis of the transfer details. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

What the XXX in INSECHZZXXX means

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. For Six Sis AG, that core is INSECHZZ.

The full version has a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office, so INSECHZZXXX and INSECHZZ are interchangeable.

As a rule the code is typed in capitals. Look out for the letter O and the digit 0 and I versus 1, a common source of typos.

What to give a sender who pays you at Six Sis AG

For an international payment into your account at Six Sis AG, the person paying you needs more than the BIC. Share the account holder’s name, the IBAN or account number, SWIFT code INSECHZZXXX and your address.

The sender’s bank might also ask for the address of your bank; the head office in Zurich is usually fine. A typo in your account number can be more trouble than it looks.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin applies. Make clear with the sender who covers the fees, especially for larger amounts.