Bank of Ayudhya Public Company Limited SWIFT/BIC code

What AYUDTHBK means for a payment to Bank of Ayudhya Public Company Limited

The short code AYUDTHBK and the full code AYUDTHBKXXX refer to the same bank: Bank of Ayudhya Public Company Limited in Bangkok, Thailand. A BIC does one job: it ensures that money from abroad ends up at the right bank. It comes up mostly when dealing with payments that cross a border.

Further down we go through the practical side: receiving money at Bank of Ayudhya Public Company Limited, paying someone in another country and how to check a SWIFT code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Which of the 3 codes of Bank of Ayudhya Public Company Limited do you need?

We have 3 SWIFT/BIC codes for Bank of Ayudhya Public Company Limited in 3 places. Besides the head office code AYUDTHBKXXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, go with AYUDTHBKXXX or its short form AYUDTHBK. Just use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Not sure which code applies? Check with the recipient, or look at a recent statement from Bank of Ayudhya Public Company Limited. Codes can change over time, so do not rely on old paperwork.

Before you send: check the Bank of Ayudhya Public Company Limited code

Ask the recipient to send you their account details directly from a recent statement. Compare it with AYUDTHBK on this page; if they differ, ask before you pay.

Errors in the BIC tend to be annoying more than disastrous. A mistake in the account number is a bigger problem because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient adds extra certainty. A small test payment is a sensible step for large sums despite the extra fee.

About this information

This directory draws on public sources and is updated regularly. It is possible that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes come from our directory and may differ from what Bank of Ayudhya Public Company Limited publishes.

Before any payment of any size, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Bank of Ayudhya Public Company Limited, we only compare transfer services. If you notice a mistake, we appreciate a message via the contact page.

Changed bank details? Be careful

Criminals regularly send fake invoices with new bank details. A correct SWIFT code tells you nothing about who owns the account.

Do not trust contact details from the same email that contains the new account. Urgency and requests to keep it quiet tend to be warning signs. If a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams also work the other way: someone sends too much and wants you to refund the extra to a new account. Do not act before the money is actually in your account and check with Bank of Ayudhya Public Company Limited if anything seems off.

Sending THB to Bank of Ayudhya Public Company Limited

The currency of Thailand is the Thai Baht (THB). A payment in a foreign currency is exchanged into THB – and the bank that does it picks the rate. Each conversion costs something – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Transferring the money already in THB usually prevents a second conversion.

Rates for THB move during the day – some services let you fix a rate in advance. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

8 or 11 characters: AYUDTHBK versus AYUDTHBKXXX

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. That gives you AYUDTHBK.

XXX at the end of AYUDTHBKXXX does not stand for a placeholder or a mistake: it stands for the head office of Bank of Ayudhya Public Company Limited. Some forms insist on 11 characters, and then you simply enter XXX after AYUDTHBK.

As a rule the code is typed in capitals and without spaces. A single character may route the money to another bank, so copy it carefully.

Paying someone abroad from your Bank of Ayudhya Public Company Limited account

If you transfer money abroad from Bank of Ayudhya Public Company Limited, the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between may take a cut, and if the money changes currency, the bank often applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. A simple test: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services next to each other so you can see the amount the recipient gets before you commit. You can still use your account at Bank of Ayudhya Public Company Limited, while a cheaper service handles the conversion.

Transfer times and tracking a payment to Bank of Ayudhya Public Company Limited

How fast a payment reaches Bank of Ayudhya Public Company Limited depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in the sending or receiving country add extra days to the journey. Occasionally a bank wants to know what the payment is for.

If a transfer seems delayed, ask your bank about the status and the transaction reference so they can trace it along the chain. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank is able to request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can look at your statements for a partial amount, since fees may have been deducted.

Getting paid from abroad into a Bank of Ayudhya Public Company Limited account

For a transfer from abroad at Bank of Ayudhya Public Company Limited, the sender has to have more than the BIC. In practice that means: your full name as registered with Bank of Ayudhya Public Company Limited, your IBAN or account number, the BIC AYUDTHBKXXX and, often, your postal address.

Certain sending banks also ask for the address of Bank of Ayudhya Public Company Limited in Bangkok, so keep it at hand. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments vary from bank to bank; check the price list of Bank of Ayudhya Public Company Limited. On invoices, it is common to state how the fees are split, so that nobody is left short.