Ayudhya Securities Public Company Limited SWIFT/BIC code

What AYITTHB1 means for a payment to Ayudhya Securities Public Company Limited

The 8-character code AYITTHB1 and the 11-character code AYITTHB1XXX identify the same bank: Ayudhya Securities Public Company Limited, with its head office in Bangkok. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. In practice you usually see it on international invoices, in your banking app and in the bank details that Ayudhya Securities Public Company Limited provides.

This page is meant to help anyone who receives money at an account at Ayudhya Securities Public Company Limited. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number is for.

Ayudhya Securities Public Company Limited: head office code versus branch codes

Ayudhya Securities Public Company Limited has 2 separate SWIFT/BIC codes. One of them is the head office code; the rest belong to branches, and sometimes internal departments.

In most cases there is no need to pick a branch: payments addressed to AYITTHB1XXX reach Ayudhya Securities Public Company Limited correctly. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Ask the recipient, or look at a recent statement from Ayudhya Securities Public Company Limited. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

About this information

Our SWIFT/BIC directory is compiled from publicly available sources and is updated regularly. Banks reorganise, close branches and change codes, and a directory never catches every change immediately. The figures on this page are based on our own data and not on information from Ayudhya Securities Public Company Limited itself.

Treat our data as a reference, not as the last word. We are an independent comparison service and not part of Ayudhya Securities Public Company Limited. If you notice something that is out of date, we welcome a message via the contact page.

Sending money abroad from Ayudhya Securities Public Company Limited

What you pay for an international transfer has more than one component – not just the fee on your screen. Besides a fixed fee, banks in between can deduct a fee, and if currencies are converted the bank often uses a rate that is less favourable than the real market rate.

That exchange rate margin tends to be the biggest item because it is hidden in the rate. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Money transfer services frequently offer rates closer to the mid-market rate. Next time you send money, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can still keep your account at Ayudhya Securities Public Company Limited; only the conversion and sending happen elsewhere.

Thai Baht (THB) and conversion costs

Thailand uses the Thai Baht. Money sent in a different currency will be converted into THB on its way to Ayudhya Securities Public Company Limited – and the bank that does it picks the rate. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. In many cases you pay less if you send THB directly through a provider that converts near the mid-market rate.

The THB rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, a small gap in the rate can be worth more than the fee.

Is AYITTHB1 still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details. When the code you were given does not match AYITTHB1 or AYITTHB1XXX, do not guess – contact the recipient or Ayudhya Securities Public Company Limited.

With a wrong code, the transfer may get stuck, be returned or end up costing more, and tracing it can take weeks. A mistake in the account number is more serious, so check that just as carefully.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically. If your bank offers it, a payee name check on the recipient gives extra certainty. A small test payment is worth it for a large first payment.

8 or 11 characters: AYITTHB1 versus AYITTHB1XXX

A SWIFT code is made up of a few fixed parts: the first four letters stand for the bank, the next two give the country and the two after that mark the location. Combined, those parts make up AYITTHB1.

The full version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so AYITTHB1XXX and AYITTHB1 are interchangeable.

Do not add spaces, dots when you enter AYITTHB1. Look out for O versus 0 and I versus 1; they are easy to mix up.

Transfer times and tracking a payment to Ayudhya Securities Public Company Limited

There is no single answer: some arrive within a day. Transfers sent after the cut-off time or on weekends and holidays usually go out the next business day. Extra checks on larger or unusual payments can also cause some delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank for the status or the UETR so they can trace it along the chain. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the sender needs to contact the bank that sent it, not the receiving bank. As a recipient, it helps to check your statements for a partial amount.

Getting paid from abroad into a Ayudhya Securities Public Company Limited account

To receive an international payment at Ayudhya Securities Public Company Limited, the sender needs more than the BIC. Give them your name as the bank knows it, the IBAN or account number, SWIFT code AYITTHB1XXX and your address, which some banks require.

Their bank may also ask for the address of your bank; the head office in Bangkok is usually fine. A typo in your account number is more trouble than it looks.

Money from abroad will not always land in full. Charges on incoming payments differ per bank; check the price list of Ayudhya Securities Public Company Limited. On invoices, it is common to state who bears the costs, so that nobody is left short.

Watch out for payment fraud

One of the most common tricks works like this: you receive a message saying that a contact has a new bank account and that the next payment should go there. That AYITTHB1 is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Always verify a change of bank details through a phone call. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When money was sent to the wrong account, contact your bank immediately.

Fraud also work the other way: someone claims to have sent too much and wants you to refund the difference via a different route. A payment confirmation from the sender proves nothing – check your own account.