UBS Card Center AG SWIFT/BIC code

UBS Card Center AG SWIFT code: AAGOCHZ1

AAGOCHZ1 and AAGOCHZ1XXX are two spellings of the same SWIFT/BIC code, and both point to UBS Card Center AG in Glattbrugg. A SWIFT code tells the sending bank which institution is meant to get the money. You will need it mainly for payments that cross a border and payments in foreign currencies.

We wrote this page to help people who pays into an account at UBS Card Center AG and wants to get the details right. The BIC names an institution, never a specific account.

8 or 11 characters: AAGOCHZ1 versus AAGOCHZ1XXX

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. The result is AAGOCHZ1.

Most banks and apps accept both lengths. If a form requires eleven characters, enter AAGOCHZ1XXX; if it wants eight, use AAGOCHZ1.

Enter the code in one piece, in capitals and without spaces. A single character can send the money to a different institution, so check it twice.

Transfer times and tracking a payment to UBS Card Center AG

How quickly a payment arrives at UBS Card Center AG depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made after the cut-off time or on a weekend or public holiday usually go out a business day later. Occasionally a bank wants to know what the payment is for, which can hold things up.

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

A missing payment has to be traced from the sending side. As a recipient, you can look at your account to see a slightly lower amount.

International transfers from UBS Card Center AG: the real cost

A bank transfer abroad can cost more than the listed fee. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

That exchange rate margin is often the largest cost because it is hidden in the rate. An easy check: set the rate you get next to the mid-market rate and look at the difference.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at UBS Card Center AG; only the conversion and sending happen elsewhere.

Do you need AAGOCHZ1 for a SEPA transfer?

Because Switzerland is part of the SEPA zone, a euro transfer into UBS Card Center AG from within the SEPA area normally requires just an IBAN. Many banks no longer ask for the BIC in that case.

You still need AAGOCHZ1XXX for payments in other currencies or money from outside the SEPA area. A few banks and apps also ask for the BIC; if so, enter AAGOCHZ1.

Instant euro transfers are widely supported within SEPA. As long as the payment stays in euros, a SEPA transfer is inexpensive.

The Swiss Franc and what conversion costs you

Accounts at UBS Card Center AG are usually held in CHF, the local currency. A payment in a foreign currency is converted into CHF on its way to UBS Card Center AG – and the bank that does it picks the rate. Each conversion eats into something.

Who converts the money makes a difference, because each party uses its own rate. Often you pay less to send CHF straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Rates for CHF move all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate make a real difference over a year.

Which of the 2 codes of UBS Card Center AG do you need?

Having 2 codes in 1 locations, UBS Card Center AG is one of the banks that register individual codes for parts of the organisation. The main code is AAGOCHZ1XXX.

Unless the recipient tells you otherwise, go with AAGOCHZ1XXX. If you have been given a specific code, stick to it instead of swapping it with the head office code.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Getting paid from abroad into a UBS Card Center AG account

A sender in another country will ask for several details about your account. Give them the account holder’s name, the IBAN or account number, the BIC AAGOCHZ1XXX and your address.

You can add UBS Card Center AG and its city too, since some forms ask for it. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank. For business payments, you can state who bears the costs, so that nobody is left short.

About this information

This directory is compiled from public sources and we update it periodically. It can happen that a code here is no longer current after a merger or reorganisation. The figures on this page reflect our own data.

Before a payment of any size, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is not affiliated with UBS Card Center AG. Spotted an error? Let us know through the contact page so we can correct it.

How to check AAGOCHZ1 before you pay

Ask the recipient to copy their bank details directly from a recent statement. Compare that code against AAGOCHZ1 on this page and ask if anything does not match.

If the code is wrong, the payment might be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the account number: a mistake there can be more difficult to correct than a wrong code.

Many banking apps check the format of IBANs, but that does not prove the account belongs to the right person. More and more banks compare the name with the account before you confirm; take any warning seriously. For a first payment, many people start with a small amount first before sending the rest.

Protect yourself against fake payment requests

Stay wary if someone suddenly wants you to send money to a different account. The fact that AAGOCHZ1 exists is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Always verify changed bank details by phone on a number you know, not one from the message. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Contact your bank straight away and have them start a recall; also report it to the police.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference abroad. Wait until the money is actually in your account.