Bfc Bank Limited SWIFT/BIC code

Bfc Bank Limited SWIFT code: EZYRGB2L

The 8-character code EZYRGB2L and the full code EZYRGB2LXXX identify one and the same institution: Bfc Bank Limited in London, United Kingdom. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. In practice you mostly see it on invoices from abroad, in payment forms and in the bank details that Bfc Bank Limited provides.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you hit send. The BIC names a bank or branch, never a specific account, which is why you always need the account number too.

When will the money arrive at Bfc Bank Limited?

A SWIFT payment usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or just before a weekend or public holiday usually go out the next business day. Extra checks on larger or unusual payments can also cause some delay.

When a payment takes longer than expected, ask your bank for the status so they can trace it along the chain. Specialist transfer services often provide a status in their app so you can see where the money has got.

A delayed transfer is traced from the sending side on the basis of the transfer details. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

What the XXX in EZYRGB2LXXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. That gives you EZYRGB2L.

The 11-character version has a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office.

Leave out spaces when you type EZYRGB2L or EZYRGB2LXXX. Look out for O versus 0 or I versus 1, a common source of typos.

Choosing between the 2 SWIFT codes of Bfc Bank Limited

We have 2 SWIFT/BIC codes for Bfc Bank Limited. Next to the head office code EZYRGB2LXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with EZYRGB2LXXX or its short form EZYRGB2L. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The safest approach is to copy the code directly from the recipient’s bank details. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Sending money abroad from Bfc Bank Limited

The price of a payment abroad has more than one component. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate if the currency changes.

Many banks do not show the margin on the rate separately, but you pay it all the same. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many routes, a transfer service is cheaper than a bank. GoldexPay compares these services side by side so you can see what actually arrives for the same amount sent. Choosing a specialist does not require leaving Bfc Bank Limited: you simply pay the service from your account.

Sending GBP to Bfc Bank Limited

United Kingdom uses the British Pound, with the currency code GBP. A payment in a foreign currency is converted into GBP before it reaches the account – and the bank that does it picks the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Who converts the money makes a difference: every bank has its own margin. Sending the money already in GBP often prevents a second conversion by Bfc Bank Limited – as long as your own rate is good.

Rates for GBP change during the day. On larger amounts, even small difference in the rate can be worth more than the fee.

What to give a sender who pays you at Bfc Bank Limited

To receive a transfer from abroad into your account at Bfc Bank Limited, the person paying you needs more than the BIC. That means: your name exactly as it appears on the account, your IBAN or account number, the BIC EZYRGB2LXXX and sometimes your postal address.

You can include the bank name and London as well. Double-check every detail before you send them.

Expect that the amount credited is smaller than what the sender paid. Charges on incoming payments differ per bank. On invoices, it is common to state who bears the costs.

Paying Bfc Bank Limited in euros within SEPA

United Kingdom is a member of the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

You will still need EZYRGB2LXXX when sending non-euro payments or money from outside the SEPA area. A few forms still show a field for the BIC out of habit; if so, enter EZYRGB2L.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, the transfer tends to be inexpensive.

Protect yourself against fake payment requests

Scammers often send payment requests containing new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Before paying, confirm a change of bank details through a phone call. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If a payment has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference abroad. A payment confirmation from the sender proves nothing – check your own account.

Where our SWIFT data comes from

The codes here come from public sources that we update regularly. Still, banks merge, rename themselves or change codes. The number of codes we show reflect our own data, not official figures from Bfc Bank Limited.

For any payment that matters, confirm the code with the recipient’s bank or the recipient. We are an independent comparison site and not part of Bfc Bank Limited. If you notice something that is out of date, we appreciate a message via the contact page.

Verifying the SWIFT code of Bfc Bank Limited

Ask the recipient to copy the bank details directly from a recent statement. Check that code against EZYRGB2L here and ask if anything does not match.

A wrong SWIFT code may lead to delays, a payment being sent back or additional charges for investigation. An error in the IBAN or account number is more serious.

An automatic check in your banking app only tells you that the code is valid – not that it belongs to the person you mean to pay. More and more banks compare the name against the account – do not ignore a mismatch warning. For a first payment, many people send a small amount first before sending the rest.