Zurich Insurance Company SWIFT/BIC code

ZURICHZB – the SWIFT/BIC code of Zurich Insurance Company

The short code ZURICHZB and the full code ZURICHZBXXX identify one and the same institution: Zurich Insurance Company, with its head office in Zurich. The code does one job: it ensures that money from abroad reaches the right bank. You will need it mostly for payments that cross a border.

Below you will find the practical side: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you confirm a payment. The BIC names an institution, not a specific account.

Swiss Franc (CHF) and conversion costs

Switzerland pays in the Swiss Franc, code CHF. When you pay money in a different currency it has to be converted at some point – by your bank, by Zurich Insurance Company or by a bank in between. Each conversion costs something – usually through the rate rather than a fee.

Who converts the money makes a difference. Check how much CHF arrives with several services.

The rate for CHF fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over a year.

Scams that use SWIFT codes

Criminals regularly send payment requests with new bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about whether the request is genuine.

Check changed bank details through a separate channel like a call to a number from an earlier contract. Watch out for time pressure, odd spelling or a sender address that is slightly off. If money was sent to a fraudster, call your bank right away.

Scams can also target the receiver. Someone claims to have sent too much and asks you to refund the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Getting paid from abroad into a Zurich Insurance Company account

A sender in another country needs several details about your account, and missing ones are a common cause of delays. That means: your name as registered with Zurich Insurance Company, your account number or IBAN, the SWIFT/BIC code ZURICHZBXXX (or ZURICHZB) and, often, your address.

Certain banks want the name and address of Zurich Insurance Company in Zurich; it does no harm to include it. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the amount credited is below what the sender paid. Charges on incoming payments vary from bank to bank. For business payments, you can agree how the fees are split.

What a transfer from Zurich Insurance Company abroad really costs

A bank transfer abroad can cost more than the fee suggests. On top of the transfer fee, banks in between can deduct a fee, and if currencies are converted the bank often applies a rate below the real market rate.

The markup on the rate is often the largest item even though it is not listed as a fee. Compare their rate against the mid-market rate; the gap is what conversion costs you.

Money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares transfer providers side by side, showing what actually arrives before you commit. Using a transfer service does not mean leaving Zurich Insurance Company.

What the XXX in ZURICHZBXXX means

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. Together, those parts make up ZURICHZB.

XXX at the end of ZURICHZBXXX does not stand for a missing value or an error: it stands for the main office of Zurich Insurance Company. Certain payment forms ask for 11 characters, and then you simply add XXX after ZURICHZB.

As a rule the code is typed in capitals, without spaces or dashes. A wrong character can send the money to a different institution, so copy it carefully.

Choosing between the 51 SWIFT codes of Zurich Insurance Company

Having 51 codes, Zurich Insurance Company belongs to the banks that register individual codes for parts of the organisation and departments. The head office code is ZURICHZBXXX.

If nobody asks you for a branch code, use ZURICHZBXXX or its short form ZURICHZB. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to be retired than the head office code.

How long does an international transfer to Zurich Insurance Company take?

There is no fixed delivery time: some land within a day, others take several business days. Transfers sent after the cut-off time or just before weekends and holidays usually go out a business day later. Extra checks by one of the banks can also add some delay.

If a transfer is delayed, ask the sending bank for the tracking status or the UETR. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the sender needs to start with their own bank, not the receiving bank. Request from the sender a copy of the payment confirmation.

A note on our data

The details here are taken from public sources. Institutions merge, close branches and retire codes, and a directory never catches every change immediately. The figures we show are based on what is in our directory and not on information from Zurich Insurance Company itself.

Use this page as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with Zurich Insurance Company, we only compare transfer services. If you notice something that is out of date, we welcome a short note via the contact page.

Before you send: check the Zurich Insurance Company code

Have the recipient send you their bank details directly from a recent statement. Check that code against ZURICHZB on this page.

An incorrect BIC can cause delays, a payment being sent back or additional charges along the way. A mistake in the account number is a bigger problem because it can reach the wrong person.

An automatic check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a name check before sending gives an extra layer of safety. Sending a small amount first can be worth it for large sums.

Euro transfers to Zurich Insurance Company: is a BIC needed?

Switzerland is a member of the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

Outside the euro and from non-SEPA countries, ZURICHZBXXX or ZURICHZB remains part of the payment details. If a payment form has a field for the BIC regardless, adding ZURICHZB does no harm.

Instant euro transfers have become increasingly available across SEPA; check with Zurich Insurance Company whether it applies to your account. Charges on SEPA payments are generally low.