Aviva Investors Global Services Limited SWIFT/BIC code

SWIFT/BIC code of Aviva Investors Global Services Limited

If an invoice shows MORLGB2L or MORLGB2LXXX, it is the identical identifier for Aviva Investors Global Services Limited in United Kingdom. A SWIFT code tells every bank in the chain which institution should receive the money, a bit like a postal address for banks. You will need it mainly for payments that cross a border and payments in foreign currencies.

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 Aviva Investors Global Services Limited. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

What to give a sender who pays you at Aviva Investors Global Services Limited

When you expect a payment from another country, give the sender a complete set of details. In practice that means: your full name as registered with Aviva Investors Global Services Limited, your account number or IBAN, the BIC MORLGB2LXXX (or MORLGB2L) and sometimes your address.

You can include Aviva Investors Global Services Limited and its city too, since some forms ask for it. A typo in your account number can be harder to fix than you might think.

What lands in your account is often less than what was sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate applies. On invoices, you can state how the fees are split, so that nobody is left short.

Sending money abroad from Aviva Investors Global Services Limited

When you transfer money to another country via Aviva Investors Global Services Limited, the visible fee is only part of what you pay. There is the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Banks rarely list the margin on the rate as a cost, but you pay it all the same. An easy check: set the rate you get next to the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate and lower fees. GoldexPay compares these services side by side so you can see the amount the recipient gets before you commit. Using a transfer service does not mean closing your account at Aviva Investors Global Services Limited – you pay the provider from your own account.

Verifying the SWIFT code of Aviva Investors Global Services Limited

Ask the recipient to copy the bank details straight from a recent statement. If the code you have differs from MORLGB2L or MORLGB2LXXX, stop and ask – contact the recipient or Aviva Investors Global Services Limited.

If the code is wrong, the payment might be delayed, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: an error there is harder to undo than a wrong code.

A validity check by your bank merely confirms that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending gives an extra layer of safety. When you pay someone new, some people start with a small amount first and wait for confirmation.

MORLGB2L or MORLGB2LXXX – which one to use?

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. In this case, the 8-character core is MORLGB2L.

Most banks and apps work with both lengths. If yours asks for eleven characters, use MORLGB2LXXX; if it wants eight, use MORLGB2L.

In practice the code is typed in capitals, without spaces or dashes. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

How up to date is this code?

We collect bank codes using public sources and update them from time to time. Institutions reorganise, change names and change codes – a directory can be a step behind. The figures on this page are based on our own data and not on information from Aviva Investors Global Services Limited itself.

For any payment that matters, always check the code with Aviva Investors Global Services Limited or the recipient. GoldexPay is a comparison site and not affiliated with Aviva Investors Global Services Limited. Should you notice something that is out of date, we welcome a short note via the contact page.

Tracking a transfer to or from Aviva Investors Global Services Limited

How quickly a transfer reaches Aviva Investors Global Services Limited is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add extra days to the journey. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

A growing number of banks are connected to SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking online showing where the money has got.

A delayed transfer is investigated from the sending side. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Changed bank details? Be careful

One of the most common tricks goes like this: you receive a request claiming that a supplier now has a new bank account and asking you to pay there from now on. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Check new payment details through a different channel, such as a phone number you already know. Urgency and secrecy tend to be warning signs. Acted too fast? Call your bank straight away and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference. Do not act before the money has really arrived – ask Aviva Investors Global Services Limited if something looks wrong.

The British Pound and what conversion costs you

Most accounts at Aviva Investors Global Services Limited are usually held in GBP, the national currency. A payment in a foreign currency is exchanged into GBP on its way to Aviva Investors Global Services Limited – and the bank that does it picks the rate. You rarely see a separate line for that conversion – the cost sits in the rate.

Who does the conversion has an effect on how much arrives. Compare how much GBP the recipient gets via different providers before choosing one.

The rate for GBP changes constantly. If you pay regularly, a slightly better rate make a real difference over a year.

Choosing between the 2 SWIFT codes of Aviva Investors Global Services Limited

With 2 codes in 1 cities, Aviva Investors Global Services Limited is one of the banks that use individual codes for branches and departments. The main code is MORLGB2LXXX.

For most payments to a private or business account, the head office code MORLGB2LXXX is the right choice. Just use a branch code when your contact explicitly asks for it.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes can change over time, so a code from an old document is not always valid.

Paying Aviva Investors Global Services Limited in euros within SEPA

Within the SEPA zone, euro transfers to Aviva Investors Global Services Limited use the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.

You still need MORLGB2LXXX when sending non-euro payments or transfers from countries outside SEPA. If your banking app asks for the BIC anyway, entering MORLGB2L is fine.

Instant euro transfers are increasingly supported across SEPA; check with Aviva Investors Global Services Limited whether it applies to your account. As long as the payment stays in euros, the transfer is cheap.