Societe Tunisienne de Banque SWIFT/BIC code

Societe Tunisienne de Banque SWIFT code: STBKTNTT

Whether you are given STBKTNTT or STBKTNTTXXX, it is the same identifier for Societe Tunisienne de Banque in Tunisia. Banks worldwide use BIC codes to route payments between countries to the right bank. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details that Societe Tunisienne de Banque provides.

On this page we explain what the code is put together, when you need it and what else you need for a transfer to or from Societe Tunisienne de Banque. The BIC names an institution, never a specific account, which is why you always need the account number too.

Is STBKTNTT still correct? How to check

The best place to find the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from STBKTNTT or STBKTNTTXXX, stop and ask – contact the recipient or Societe Tunisienne de Banque.

Mistakes in the SWIFT code tend to be annoying rather than disastrous. An error in the 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 sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. A small test payment can be worth it for large sums despite the extra fee.

Sending money abroad from Societe Tunisienne de Banque

If you transfer money to another country via Societe Tunisienne de Banque, the fee you see is only part of the cost. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares what recipients receive across services, so you can pick the cheapest route. You can always use your account at Societe Tunisienne de Banque; only the conversion and sending happen elsewhere.

Which of the 6 codes of Societe Tunisienne de Banque do you need?

Our directory lists 6 SWIFT/BIC codes for Societe Tunisienne de Banque. Besides the head office code STBKTNTTXXX, you will find codes for regional offices and specialised units.

Usually there is no need to look up a branch: payments sent to STBKTNTTXXX are routed within Societe Tunisienne de Banque without problems. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes are more prone to be retired than the head office code.

How up to date is this code?

We gather SWIFT/BIC codes using publicly available data and check our list from time to time. It can happen that a code on this page is no longer current, for example after a merger. Figures such as the number of codes are from our directory and are not confirmed by Societe Tunisienne de Banque.

Treat our data as a starting point, rather than as the last word. GoldexPay is a comparison service for money transfers and not part of Societe Tunisienne de Banque. Found an error? Let us know through the contact page.

Scams that use SWIFT codes

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

Never rely on contact details from the same email that announces the change. Urgency and secrecy tend to be red flags – a real supplier can wait a day. Acted too fast? Call the bank you paid from straight away and have them start a recall and report the fraud.

Scams also work the other way. Someone claims to have sent too much and wants you to refund the extra. A screenshot of a transfer proves nothing – check your own account.

What the XXX in STBKTNTTXXX means

A BIC is built from fixed blocks: characters one to four identify the bank, characters five and six give the country and the two after that indicate the location. That gives you STBKTNTT, the short form of the code.

XXX at the end of STBKTNTTXXX does not stand for a missing value or a mistake: it indicates the main office of Societe Tunisienne de Banque. Some banking apps insist on 11 characters, in which case you simply add XXX after STBKTNTT.

Type the code as one block, in capitals and without separators, exactly as shown here. Copying the code beats retyping it.

Receiving money from abroad at Societe Tunisienne de Banque

For an international payment at Societe Tunisienne de Banque, the sender needs more than the BIC. Give them your name as the bank knows it, the IBAN or account number, SWIFT code STBKTNTTXXX and your address.

Their bank might request the bank address of Societe Tunisienne de Banque, in which case the Tunis head office is the usual answer. A mistake in the IBAN can be more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. On invoices, it is common to agree who bears the costs, so that nobody is left short.

When will the money arrive at Societe Tunisienne de Banque?

A SWIFT payment typically takes anywhere from one to several business days. Payments made late in the day or just before weekends and holidays often go out a business day later. Occasionally a bank wants to know what the payment is for.

When a payment takes longer than expected, ask your bank about the status; with that reference banks can see where the payment is. Money transfer services often provide tracking in their app so you can see how far the money has got.

A missing payment has to be traced from the sending side, using the payment confirmation. Request from the sender a copy of the payment confirmation with the date and reference.