Banque Nationale Agricole SWIFT/BIC code

SWIFT/BIC code of Banque Nationale Agricole

The 8-character code BNTETNTT and the full code BNTETNTTXXX identify the same bank: Banque Nationale Agricole, with its head office in Tunis. Every bank on the SWIFT network uses these codes to route international transfers to the right bank. You will need it mostly when dealing with payments that cross a border.

Below you will find the practical questions: receiving money at Banque Nationale Agricole, sending money abroad and how to verify the code before you confirm a payment. The SWIFT code on its own does not identify a personal account; that is what the account number or IBAN .

BNTETNTT or BNTETNTTXXX – which one to use?

The structure of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. In this case, that core is BNTETNTT.

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why BNTETNTTXXX and BNTETNTT lead to the same place.

Leave out spaces when you type BNTETNTT. A wrong character may route the money to a different institution, so copy it carefully.

Paying someone abroad from your Banque Nationale Agricole account

If you transfer money to another country through Banque Nationale Agricole, the fee you see is rarely all of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate.

Many banks rarely show the margin on the rate as a cost – you only notice it if you compare. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Money transfer services frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares the amount that arrives with different services, which makes the cheapest option easy to spot. You can always keep your account at Banque Nationale Agricole.

What to give a sender who pays you at Banque Nationale Agricole

To receive an international payment into your account at Banque Nationale Agricole, the person paying you needs not just the SWIFT code. Share your name as the bank knows it, your account number or IBAN, SWIFT code BNTETNTTXXX and your address, which some banks require.

The sender’s bank may also ask for the address of your bank, in which case the Tunis head office is the usual answer. A mistake in your account number is harder to fix than you might think.

An incoming payment does not always arrive in full. Fees for incoming transfers vary from bank to bank. Make clear with the sender who covers the fees.

Before you send: check the Banque Nationale Agricole code

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from BNTETNTT or BNTETNTTXXX, stop and ask.

An incorrect BIC may lead to delays, a payment being sent back or extra fees for investigation. Do not forget the IBAN: an error there is harder to correct than a wrong code.

An automatic check in your banking app merely confirms that the IBAN is valid, not that it is the right account. Where available, a name check on the recipient gives an extra layer of safety. Sending a small amount first can be a sensible step for a large first payment, even if it costs an extra fee.

Scams that use SWIFT codes

Scammers often use payment requests with changed bank details, sometimes in an email that looks completely genuine. That BNTETNTT is a real code does not mean that the account is genuine.

Never trust contact details in the same message that announces the change. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Call your bank straight away and ask them to try to recall the payment.

Recipients are targeted too: one known trick is an overpayment followed by a request to send back the difference. Do not act before the money is actually in your account and check with Banque Nationale Agricole if anything seems off.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from public sources and check our list regularly. Even so, banks merge or retire codes, so information can be out of date. The number of codes on this page are based on what is in our directory, not official figures from Banque Nationale Agricole.

Treat the information here as a helpful check and rely on the recipient or Banque Nationale Agricole for the final confirmation. GoldexPay is independent of Banque Nationale Agricole; we are a comparison site for money transfers. Spotted an error? Tell us through the contact page so we can correct it.

When will the money arrive at Banque Nationale Agricole?

There is no fixed answer: many arrive within a day while others need several business days. Bank holidays in the sending or receiving country add a day or more. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often show tracking in their app showing how far the money is.

If a payment has not arrived within the expected time, the person who paid needs to start with their own bank rather than Banque Nationale Agricole. Request from the sender a copy of the payment confirmation.

Banque Nationale Agricole: head office code versus branch codes

Banque Nationale Agricole uses 3 separate SWIFT/BIC codes. One of them is the head office code; the rest belong to branches, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code BNTETNTTXXX is what you need. When you receive a specific code, use it as it is rather than replacing it with the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes can change when banks reorganise, so a code from an old document is not always valid.