Aia Company Limited SWIFT/BIC code

AIACTHBK – the SWIFT/BIC code of Aia Company Limited

The 8-character code AIACTHBK and the full code AIACTHBKXXX identify one and the same institution: Aia Company Limited. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. It comes up mainly when dealing with transfers between countries.

Below we go through the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you confirm a payment. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Getting paid from abroad into a Aia Company Limited account

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. Give them your name as the bank knows it, your account number or IBAN, the BIC AIACTHBKXXX and your address, which some banks require.

The sender’s bank might request the bank address of Aia Company Limited; the head office in Bangkok is usually fine. A typo in the IBAN can be more trouble than you might think, so copy the details from your online banking.

What lands in your account can be less than what was sent. Fees for incoming transfers differ per bank. Agree with the sender who covers the fees.

Transfer times and tracking a payment to Aia Company Limited

How quickly a payment reaches Aia Company Limited depends on several factors: the currency, the number of banks in between, cut-off times and time zones. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Extra checks on larger or unusual payments may also add a delay, even when all details are correct.

If the money is delayed, ask the sending bank for the status and the transaction reference so they can trace it along the chain. Save the payment confirmation.

A missing payment has to be investigated from the sending side. As a recipient, it helps to look at your account to see a slightly lower amount.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. It can happen that a code here is out of date after a merger or reorganisation. The number of codes on this page reflect what is in our directory and not on information from Aia Company Limited itself.

Treat our directory here as a helpful check, and let the details from the recipient or Aia Company Limited have the final say. GoldexPay is not affiliated with Aia Company Limited; we are a comparison site for money transfers. If you notice a mistake, we appreciate a short note via the contact page.

Changed bank details? Be careful

Criminals often send fake invoices with changed bank details. A real SWIFT code says nothing about whether the request is genuine.

Verify new bank details through a different channel, never via the email that asked for the change. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them start a recall and report the fraud.

Scams also target the receiver. Someone claims to have sent more than agreed and asks you to refund the extra to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

8 or 11 characters: AIACTHBK versus AIACTHBKXXX

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and two characters for the location. That gives you AIACTHBK for Aia Company Limited.

Many banks and apps accept both lengths. If a form asks for eleven characters, use AIACTHBKXXX, otherwise AIACTHBK is fine.

Do not add spaces when you enter AIACTHBK or AIACTHBKXXX. Watch for the letter O and the digit 0 or the letter I and the digit 1.

Head office or branch code at Aia Company Limited?

Our database contains 2 SWIFT/BIC codes for Aia Company Limited. Besides the head office code AIACTHBKXXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code AIACTHBKXXX is the right choice. Branch codes are only needed if the account holder explicitly asks for it, which is more common for business accounts and trade services.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes can change when banks reorganise.

Before you send: check the Aia Company Limited code

The best place to find the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match AIACTHBK or AIACTHBKXXX, do not guess: check with the recipient or with Aia Company Limited directly.

If the code is wrong, the transfer might get stuck, be returned or cost extra – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A validity check by your bank merely tells you that the IBAN exists, not that it is the right account. Where available, a payee name check on the recipient adds extra certainty. For a first payment, some people start with a small test amount.

Paying someone abroad from your Aia Company Limited account

When you transfer money to another country via Aia Company Limited, the fee you see is only part of what you pay. Besides a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services frequently use a rate near the mid-market rate. On GoldexPay we compare what recipients receive across services. You can always keep your account at Aia Company Limited to fund the transfer; only the conversion and sending happen elsewhere.

Thai Baht (THB) and conversion costs

Most accounts at Aia Company Limited are usually held in THB, the national currency of Thailand. A payment in a foreign currency is exchanged into THB before it reaches the account. There is rarely a separate line for that conversion.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Compare what THB the recipient gets via several providers.

The rate for THB changes constantly. On larger amounts, a seemingly small gap in the rate adds up quickly.