Thurgauer Kantonalbank SWIFT/BIC code

SWIFT/BIC code of Thurgauer Kantonalbank

The 8-character code KBTGCH22 and the full code KBTGCH22XXX refer to the same bank: Thurgauer Kantonalbank, with its head office in Weinfelden. Banks worldwide use these codes to direct international transfers to the correct institution. It comes up mostly when dealing with payments that cross a border.

Further down you will find the practical side: money coming in from abroad, paying someone in another country and how to check the code before you hit send. A SWIFT code identifies a bank or branch, never a specific account.

Receiving money from abroad at Thurgauer Kantonalbank

If you are waiting for money from abroad, give the sender a complete set of details. Give them the account holder’s name, the IBAN or account number, the BIC KBTGCH22XXX and your address.

The sender’s bank may also ask for the bank address of Thurgauer Kantonalbank, in which case the Weinfelden head office is the usual answer. A mistake in the IBAN is more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank – the price list of Thurgauer Kantonalbank tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

International transfers from Thurgauer Kantonalbank: the real cost

When you send money abroad via Thurgauer Kantonalbank, the visible fee is only part of what you pay. Besides the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

Banks rarely list their exchange rate markup as a cost. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many routes, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. You can always keep your account at Thurgauer Kantonalbank to fund the transfer; only the conversion and sending happen elsewhere.

Head office or branch code at Thurgauer Kantonalbank?

Our database contains 9 SWIFT/BIC codes for Thurgauer Kantonalbank. Next to the head office code KBTGCH22XXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code KBTGCH22XXX is what you need. Branch codes are only needed when the account holder explicitly asks for it.

The best way is to copy the code straight from the account holder’s bank details. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Is KBTGCH22 still correct? How to check

Have the recipient copy their account details straight from their banking app. Check it with KBTGCH22 here and ask if anything does not match.

With a wrong code, the payment may get stuck, bounce back or cost extra. An error in the IBAN or account number is more serious because it can reach the wrong person.

Many banking apps validate the format of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks check the name against the account; take any warning seriously. A small test payment can be a sensible step for large sums.

Sending CHF to Thurgauer Kantonalbank

Accounts at Thurgauer Kantonalbank are usually held in CHF, the local currency. If you send money in a different currency, the amount gets converted somewhere along the way. Every conversion eats into something, even when no fee is shown.

Who converts the money makes a difference: every bank has its own margin. Sending the money directly in CHF often avoids an extra conversion by Thurgauer Kantonalbank, provided the rate you get is fair.

The rate for CHF fluctuates throughout the day and quotes are often valid only for a short time. For regular payments, small differences in the rate add up over time.

Why Thurgauer Kantonalbank 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. That gives you KBTGCH22.

XXX at the end of KBTGCH22XXX is not a missing value or a mistake: it indicates the head office of Thurgauer Kantonalbank. Certain payment forms ask for 11 characters, in which case you simply enter XXX after KBTGCH22.

As a rule the code is typed in capitals and without spaces. Look out for O versus 0 or I versus 1; they are easy to mix up.

Changed bank details? Be careful

Fraudsters regularly use payment requests containing changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Do not rely on contact details in the same message that contains the new account. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. If money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference abroad. Do not act before the money has really arrived – ask Thurgauer Kantonalbank if something looks wrong.

Tracking a transfer to or from Thurgauer Kantonalbank

How fast a transfer reaches Thurgauer Kantonalbank depends on a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or just before a weekend or public holiday often start the next business day. Extra checks on larger or unusual payments can also cause some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR that banks can use to trace it. Keep your transfer receipt until the recipient confirms.

If a payment has not arrived within the expected time, the sender needs to start with the bank that sent it rather than Thurgauer Kantonalbank. On the receiving end, it helps to check your statements for a partial amount, since fees may have been deducted.

Paying Thurgauer Kantonalbank in euros within SEPA

Because Switzerland is part of SEPA, a euro transfer into Thurgauer Kantonalbank from another SEPA country usually only needs the IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. Some forms also show a field for the BIC out of habit; in that case, enter KBTGCH22.

Euro payments within SEPA usually arrive by the next 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.

A note on our data

The details here are taken from public sources which we refresh regularly. Banks reorganise, change names and change codes. The figures we show are based on our own data and not on information from Thurgauer Kantonalbank itself.

Treat this page as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is a comparison service and not affiliated with Thurgauer Kantonalbank. Spotted an error? Let us know via our contact form and we will look into it.