Bank of America, N.a. London SWIFT/BIC code

What BOFAGB22 means for a payment to Bank of America, N.a. London

Whether a recipient gives you BOFAGB22 or BOFAGB22XXX, it is the identical address for Bank of America, N.a. London in United Kingdom. A SWIFT code tells the banks handling a payment which institution is meant to get the money. In daily life you mostly come across the code on international invoices, in payment forms and in the bank details of Bank of America, N.a. London customers.

This page is meant to help people who sends money to an account at Bank of America, N.a. London without mistakes. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

The British Pound and what conversion costs you

Accounts at Bank of America, N.a. London are typically held in GBP, the national currency of United Kingdom. If you send another currency it gets converted at some point – by your bank, by Bank of America, N.a. London or by a bank in between. Every conversion costs the amount.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Compare how much GBP the recipient gets with several services; the difference between options can be larger than you expect.

The rate for GBP fluctuates constantly. For recurring payments, a slightly better rate add up over a year.

Transfer times and tracking a payment to Bank of America, N.a. London

There is no single delivery time: some land within a day while others need several business days. Bank holidays in either country can add extra days. Extra checks by one of the banks can also add some delay.

A growing number of banks are connected to SWIFT gpi. Each payment carries a unique transaction reference, the UETR. Specialist transfer services often provide a status online showing where the money has got.

A delayed transfer is traced from the sending side, using the payment confirmation. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Paying someone abroad from your Bank of America, N.a. London account

A bank transfer abroad costs rather more than the fee suggests. On top of a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank usually uses a rate that is less favourable than the actual market rate.

The real cost is often in the rate: the bank converts at a rate that includes a margin. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay lists transfer providers next to each other so you can see what actually arrives. You can always keep your account at Bank of America, N.a. London; only the conversion and sending happen elsewhere.

Head office or branch code at Bank of America, N.a. London?

Our database contains 11 SWIFT/BIC codes for Bank of America, N.a. London, spread over 2 locations. Next to the head office code BOFAGB22XXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code BOFAGB22XXX is the right choice. Branch codes are only needed if the account holder specifically asks for it, which is more common for corporate accounts and trade services.

The safest route is to copy the code directly from the account holder’s statement. Codes for branches are more likely to be retired than the head office code.

8 or 11 characters: BOFAGB22 versus BOFAGB22XXX

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. Combined, these eight characters form BOFAGB22, the code most people search for.

Most payment forms accept both lengths. If a form asks for eleven characters, enter BOFAGB22XXX.

Type the code in one piece, in capitals and without spaces, exactly as shown here. A single letter may route a payment to another bank, so copy it carefully.

About this information

Our SWIFT/BIC directory draws on publicly available sources and we update it periodically. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. The figures on this page reflect what is in our directory and not on information from Bank of America, N.a. London itself.

See our directory here as a handy check. We are a comparison site for money transfers and not affiliated with Bank of America, N.a. London. Spotted an error? Let us know via our contact form so we can correct it.

Changed bank details? Be careful

A common scam works like this: an email arrives with a request saying that a company has a new bank account and that the next payment should go there. A real SWIFT code tells you nothing about who owns the account.

Always confirm changed bank details by phone on a number you know, not one from the message. Urgency or requests to keep it quiet are warning signs. When money was sent to the wrong account, call your bank right away.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference to another account. A payment confirmation from the sender proves nothing – check your own account.

Before you send: check the Bank of America, N.a. London code

Have the recipient copy the bank details straight from their banking app. If the code you have differs from BOFAGB22 or BOFAGB22XXX, do not guess – contact the recipient or Bank of America, N.a. London.

An incorrect BIC may lead to a delay, a returned payment or extra fees for investigation. Remember the IBAN: an error there can be more difficult to correct than a wrong code.

A format check by your bank only confirms that the IBAN exists, not that it is the right account. Where available, a name check on the recipient adds extra certainty. For a first payment, some people send a small test amount before sending the rest.

Euro transfers to Bank of America, N.a. London: is a BIC needed?

United Kingdom belongs to the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough.

You will still need BOFAGB22XXX for non-euro payments or money from outside the SEPA area. If a payment form has a field for the BIC anyway, adding BOFAGB22 is fine.

Instant payments in euros are increasingly supported within SEPA; check with Bank of America, N.a. London whether it applies to your account. Provided the payment stays in euros, the transfer tends to be cheap.

Getting paid from abroad into a Bank of America, N.a. London account

To receive an international payment at Bank of America, N.a. London, the person paying you needs not just the BIC. In practice that means: your full name as registered with Bank of America, N.a. London, your IBAN or account number, the BIC BOFAGB22XXX (or BOFAGB22) and usually your postal address.

Their bank may request the address of your bank, in which case the London head office is the usual answer. A typo in your account number can be harder to fix than you might think.

The amount you receive is often lower than the amount sent. Charges on incoming payments vary from bank to bank – the price list of Bank of America, N.a. London tells you what applies. For business payments, it is common to state who bears the costs.