Pacific Securities Co., LTD. SWIFT/BIC code

Pacific Securities Co., LTD. SWIFT code: PACSTWT1

The 8-character code PACSTWT1 and the full code PACSTWT1XXX identify the same bank: Pacific Securities Co., LTD.. The code does one job: it ensures that a cross-border transfer ends up at the right bank. You will need it mostly when dealing with transfers between countries or a currency.

This page is meant to help people who sends money to an account at Pacific Securities Co., LTD. and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

Changed bank details? Be careful

Be alert when a contact unexpectedly asks you to send money to a different account or a bank in another country. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not rely on contact details in the same message that announces the new account. Pressure or secrecy tend to be red flags; a genuine business can wait for you to check. If a payment has already gone to the wrong account, call your bank right away.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to refund the difference to another account. Do not act before the money is actually in your account and check with Pacific Securities Co., LTD. if anything seems off.

8 or 11 characters: PACSTWT1 versus PACSTWT1XXX

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code. That gives you PACSTWT1.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

As a rule the code is written in capitals and without spaces. A wrong character may route a payment to a different institution, so copy it carefully.

How to check PACSTWT1 before you pay

Ask the recipient to send you their account details directly from their online banking. Check it with PACSTWT1 here and ask if anything does not match.

An incorrect BIC can cause a delay, a payment being sent back or extra fees for investigation. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person; check it just as carefully.

A validity check in your banking app only confirms that the code exists, not that it is the right account. Some banks now compare the name with the account before you confirm; take any warning seriously. A small test payment can be worth it for a large first payment.

Choosing between the 2 SWIFT codes of Pacific Securities Co., LTD.

Pacific Securities Co., LTD. has 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the rest belong to branches or departments.

If nobody asks you for a branch code, use PACSTWT1XXX or its short form PACSTWT1. Just use a branch code when the account holder gives you that exact code.

The best way is to take the code directly from the recipient’s statement. Branch codes are more likely to be retired than PACSTWT1XXX when a bank merges or closes offices.

Getting paid from abroad into a Pacific Securities Co., LTD. account

To receive an international payment into your account at Pacific Securities Co., LTD., the person paying you needs not just the SWIFT code. That means: your full name as registered with Pacific Securities Co., LTD., your IBAN or account number, the SWIFT/BIC code PACSTWT1XXX (or PACSTWT1) and, often, your address.

You can include the bank name and Taipei too, since some forms ask for it. A typo in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments differ per bank. Make clear with the sender who covers the fees, especially for larger amounts.

How long does an international transfer to Pacific Securities Co., LTD. take?

How quickly a transfer reaches Pacific Securities Co., LTD. depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR. Money transfer services often provide tracking online showing how far the payment has got.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.

A note on our data

The codes on this page come from publicly available data. It is possible that a code on this page is no longer current. The figures on this page reflect our own data and not on information from Pacific Securities Co., LTD. itself.

Before any payment that matters, check the BIC with Pacific Securities Co., LTD. or the recipient. We are a comparison service and not part of Pacific Securities Co., LTD.. Found outdated information? Let us know through the contact page.

What a transfer from Pacific Securities Co., LTD. abroad really costs

An international bank payment costs more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is less expensive than a bank. Before your next transfer, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require closing your account at Pacific Securities Co., LTD.: you simply pay the service from your account.