Firstcaribbean International Bank (T and T) LTD. SWIFT/BIC code

Firstcaribbean International Bank (T and T) LTD. SWIFT code: FCIBTTP2

The 8-character code FCIBTTP2 and the 11-character code FCIBTTP2XXX refer to the same bank: Firstcaribbean International Bank (T and T) LTD., with its head office in Port of Spain. Every bank on the SWIFT network uses these codes to direct international transfers to the correct institution. In practice you mostly come across the code on international invoices, in payment forms and in the bank details that Firstcaribbean International Bank (T and T) LTD. provides.

This page is meant to help people who sends money to an account at Firstcaribbean International Bank (T and T) LTD. without mistakes. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number is for.

Sending money abroad from Firstcaribbean International Bank (T and T) LTD.

What you pay for an international transfer is made up of several parts. On top of a fixed fee, banks in between can deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the actual market rate.

Banks rarely list the margin on the rate separately, but you pay it all the same. A simple test: set the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer. Next time you send money, it is worth comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require leaving Firstcaribbean International Bank (T and T) LTD..

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a request saying that a company has new bank details and asking you to pay there from now on. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Before paying, verify a change of bank details by phone on a number you know, not one from the message. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank without delay and ask them to start a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to send back the difference abroad. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Head office or branch code at Firstcaribbean International Bank (T and T) LTD.?

Our database contains 2 SWIFT/BIC codes for Firstcaribbean International Bank (T and T) LTD., spread over 1 cities. Next to the head office code FCIBTTP2XXX, there are codes for branches, departments or specific services.

For the vast majority of incoming transfers, the head office code FCIBTTP2XXX works fine. Branch codes are only needed if the recipient’s bank explicitly asks for it.

The safest route is to copy the code directly from the recipient’s statement. Branch codes are more prone to be retired than FCIBTTP2XXX when a bank merges or closes offices.

When will the money arrive at Firstcaribbean International Bank (T and T) LTD.?

An international transfer usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in either country add extra days to the journey. Sometimes a bank wants to know what the payment is for, which can hold things up.

If the money is delayed, ask the sending bank about the tracking status or the UETR; with that reference banks can see where the payment is. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

A missing payment is traced by the sending bank on the basis of the transfer details. On the receiving end, you can check your statements to see a partial amount.

FCIBTTP2 or FCIBTTP2XXX – which one to use?

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and the two after that mark the location. For Firstcaribbean International Bank (T and T) LTD., the 8-character core is FCIBTTP2.

XXX at the end of FCIBTTP2XXX does not stand for a placeholder or a mistake: it indicates the main office of Firstcaribbean International Bank (T and T) LTD.. Some forms ask for 11 characters, in which case you simply enter XXX after FCIBTTP2.

Type the code in one piece, in capitals and without spaces. Pasting the code beats retyping it.

A note on our data

This directory draws on publicly available sources. Still, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations come from our directory and may differ from what Firstcaribbean International Bank (T and T) LTD. publishes.

Treat our data as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay is a comparison site for money transfers and not part of Firstcaribbean International Bank (T and T) LTD.. Should you notice a mistake, we welcome a short note via the contact page.

Verifying the SWIFT code of Firstcaribbean International Bank (T and T) LTD.

Ask the recipient to copy their bank details straight from a recent statement. Check that code against FCIBTTP2 on this page; if they differ, ask before you pay.

Errors in the BIC tend to be annoying rather than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: an error there is harder to correct than a wrong BIC.

An automatic check by your bank merely confirms that the code exists – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient adds an extra layer of safety. A small test payment is worth it for a large first payment, even if it costs an extra fee.

What to give a sender who pays you at Firstcaribbean International Bank (T and T) LTD.

A sender in another country needs several details from you. In practice that means: your name as registered with Firstcaribbean International Bank (T and T) LTD., your account number or IBAN, the BIC FCIBTTP2XXX and, often, your postal address.

The sender’s bank may request the address of your bank. A typo in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments differ per bank. For business payments, it is common to state how the fees are split, so that nobody is left short.