Altium Capital Limited SWIFT/BIC code

Altium Capital Limited SWIFT code: APCFGB21

Whether a recipient gives you APCFGB21 or APCFGB21XXX, you are looking at the same address for Altium Capital Limited in United Kingdom. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money, a bit like a postal address for banks. In practice you usually come across it on international invoices, in your banking app and in the bank details that Altium Capital Limited provides.

This page is meant to help anyone who sends money to an account at Altium Capital Limited and wants to get the details right. Keep in mind that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

What to give a sender who pays you at Altium Capital Limited

To receive an international payment at Altium Capital Limited, the person paying you has to have more than the SWIFT code. The basics are: your name, IBAN or account number, APCFGB21XXX and, for some countries, your home address.

Certain sending banks want the name and address of Altium Capital Limited in London; it does no harm to include it. Check every detail before you send them.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary per bank; check the price list of Altium Capital Limited. For business payments, it is common to state how the fees are split.

How up to date is this code?

Our SWIFT/BIC directory is compiled from publicly available sources and is updated regularly. Still, banks merge or change codes and our data may lag behind. The number of codes we show reflect what is in our directory and not on information from Altium Capital Limited itself.

For any payment that matters, always confirm the code with Altium Capital Limited or with the recipient. GoldexPay is an independent comparison service and not affiliated with Altium Capital Limited. Found outdated information? Tell us via our contact form.

APCFGB21 or APCFGB21XXX – which one to use?

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. For Altium Capital Limited, the 8-character core is APCFGB21.

Many banks and apps work with both lengths. If yours asks for eleven characters, enter APCFGB21XXX; if it wants eight, use APCFGB21.

Leave out spaces when you type APCFGB21 or APCFGB21XXX. A single character may route a payment to a different institution, so check it twice.

Verifying the SWIFT code of Altium Capital Limited

Have the recipient copy the account details directly from a recent statement. Check it against APCFGB21 on this page.

An incorrect BIC can cause delays, a payment being sent back or extra fees. An error in the account number is a bigger problem, because the money may be credited to someone else.

An automatic check by your bank only confirms that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the payee name with the account before you confirm – do not ignore a mismatch warning. For a first payment, some people send a small test amount.

Euro transfers to Altium Capital Limited: is a BIC needed?

Since United Kingdom is in SEPA, a euro payment to Altium Capital Limited from another SEPA country usually requires just an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

The BIC still matter when the currency is not euros, and for transfers from outside SEPA. Some banks and apps still ask for the BIC; in that case, enter APCFGB21.

Instant payments in euros have become widely available within SEPA; check with Altium Capital Limited whether it applies to your account. As long as the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

Tracking a transfer to or from Altium Capital Limited

There is no fixed answer for international payments: some land the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Compliance checks by one of the banks may also cause some delay, regardless of the details.

When a payment takes longer than expected, ask the sending bank about the tracking status; with that reference banks can see where the payment is. Specialist transfer services usually show tracking in their app so you can see how far the money is.

If the money does not arrive after a few business days, the person who paid should start with their own bank rather than Altium Capital Limited. As a recipient, it helps to look at your account for a slightly lower amount, since fees may have been deducted.

Head office or branch code at Altium Capital Limited?

Altium Capital Limited has 2 different SWIFT/BIC codes. Only one is the head office code, APCFGB21XXX; the others belong to branches or departments, and sometimes internal departments.

For most incoming transfers, the head office code APCFGB21XXX is what you need. Branch codes are only needed if the account holder explicitly asks for it.

The safest route is to copy the code directly from the account holder’s bank details. Codes for branches are more prone to be retired than the head office code when a bank merges or closes offices.

British Pound (GBP) and conversion costs

The currency in United Kingdom is the British Pound (GBP). A payment in a foreign currency will be exchanged into GBP on its way to Altium Capital Limited – and the bank that does it picks the rate. You rarely see a separate charge for the conversion.

Which bank converts the payment matters: every bank has its own margin. Often it is cheaper if you send GBP straight away through a transfer service that converts near the mid-market rate.

The rate for GBP fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over time.

Scams that use SWIFT codes

Stay alert when someone suddenly wants you to send money to a different account abroad. That APCFGB21 is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Verify changed bank details through a different channel like a call to a number from an earlier contract. Pressure and secrecy are red flags; a genuine business can wait for you to check. When a payment was sent to the wrong account, contact your bank immediately.

Scams can also target the receiver. Someone sends more than agreed and wants you to return the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Sending money abroad from Altium Capital Limited

A bank transfer abroad can cost rather more than the fee suggests. On top of a fixed fee, banks in between may deduct a fee, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

Many banks do not show their exchange rate markup separately – you only notice it if you compare. Compare their rate with the mid-market rate.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares the amount that arrives across providers. Choosing a specialist does not require closing your account at Altium Capital Limited – you pay the provider from your own account.