Banque Zitouna SWIFT/BIC code

BZITTNTT – the SWIFT/BIC code of Banque Zitouna

BZITTNTT and BZITTNTTXXX are the short and the long form of the same bank identifier, and both point to Banque Zitouna in Tunis. A SWIFT code tells every bank in the chain which institution should receive the money, a bit like a postal address for banks. In practice you mostly come across the code on invoices from abroad, in payment forms and on the account details of Banque Zitouna customers.

We wrote this page to help people who sends money to an account at Banque Zitouna and wants to get the details right. The BIC names an institution, never a specific account, which is why you always need the account number too.

8 or 11 characters: BZITTNTT versus BZITTNTTXXX

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code. Together, these eight characters form BZITTNTT – the version you usually see online.

The 11-character version adds three more characters for a branch or department. If the last three are XXX, they simply mean the head office, which is why BZITTNTTXXX and BZITTNTT lead to the same place.

In practice the code is typed in capitals. Look out for O versus 0 or the letter I and the digit 1.

A note on our data

The details on this page come from public sources that we update regularly. Banks reorganise, change names and retire codes. The figures we show reflect our own data.

Use this page as a reference, rather than as the last word. GoldexPay is independent of Banque Zitouna, we only compare transfer services. Should you notice something that is out of date, we appreciate a short note.

Changed bank details? Be careful

Be wary if a contact unexpectedly wants you to pay into a different account abroad. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Before paying, confirm changed bank details through a phone call, using a number you already had. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank without delay and have them try to recall the payment; also report it to the police.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to send back the difference to another account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Verifying the SWIFT code of Banque Zitouna

Have the recipient copy their bank details straight from a recent statement. Compare it against BZITTNTT on this page.

An incorrect BIC may lead to delays, a returned payment or additional charges along the way. An error in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Some banks now compare the name with the account; take any warning seriously. Sending a small amount first is a sensible step for large sums despite the extra fee.

Getting paid from abroad into a Banque Zitouna account

If you are waiting for money from abroad, send the payer a complete set of details. What they need is: your name, IBAN or account number, BZITTNTTXXX or BZITTNTT and in many cases your postal address.

Their bank might request the address of your bank, in which case the Tunis head office is the usual answer. A mistake in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is smaller than what the sender paid. Intermediary banks may deduct a fee, Banque Zitouna may charge for incoming payments, and if the money is converted, an exchange rate margin applies. For business payments, you can agree who bears the costs, so that nobody is left short.

Transfer times and tracking a payment to Banque Zitouna

How fast a transfer reaches Banque Zitouna is determined by several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Payments made after the cut-off time or just before weekends and holidays often start a business day later. Sometimes a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, contact your bank about the status so they can trace it along the chain. Keep the payment confirmation – you will need it for any trace request.

A missing payment is traced by the sending bank. On the receiving end, it helps to look at your statements for a partial amount, since fees may have been deducted.

Paying someone abroad from your Banque Zitouna account

What you pay for an international transfer is made up of several parts – not just the fee on your screen. On top of the transfer fee, banks in between can take a cut, and when currencies are converted the bank usually applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the largest item, and it is easy to miss. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many routes, a transfer service is less expensive than a traditional bank transfer. GoldexPay lists transfer providers next to each other, showing what actually arrives for the same amount sent. You can still keep your account at Banque Zitouna as the source of the money.

Head office or branch code at Banque Zitouna?

Our database contains 3 SWIFT/BIC codes for Banque Zitouna, spread over 1 locations. Next to the head office code BZITTNTTXXX, you will find codes for regional offices and specialised units.

For the vast majority of payments to a private or business account, the head office code BZITTNTTXXX is the right choice. If you have been given a specific code, stick to it rather than swapping it for the head office code.

The safest approach is to take the code straight from the account holder’s invoice. Branch codes are more prone to be retired than BZITTNTTXXX.