Cargill Financial Services Europe Limited SWIFT/BIC code

Cargill Financial Services Europe Limited SWIFT code: CAFMGB22

The short code CAFMGB22 and the 11-character code CAFMGB22XXX identify the same bank: Cargill Financial Services Europe Limited in Weybridge, United Kingdom. The code does one job: it ensures that money from abroad ends up at the right bank. In practice you usually come across it on invoices from abroad, in your banking app and on the account details of Cargill Financial Services Europe Limited customers.

We wrote this page to help anyone who receives money at an account at Cargill Financial Services Europe Limited and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

British Pound (GBP) and conversion costs

Most accounts at Cargill Financial Services Europe Limited are usually held in GBP, the national currency of United Kingdom. If you send another currency it has to be converted somewhere along the way – by your bank, by Cargill Financial Services Europe Limited or by a bank in between. Each conversion eats into the amount.

Who does the conversion affects the final amount, as rates and margins differ per bank. Check how much GBP the recipient gets with several providers before choosing one.

Rates for GBP change all the time – some services let you fix a rate in advance. For regular payments, small differences in the rate add up over time.

Where our SWIFT data comes from

The details here are taken from public sources. Even so, banks merge, rename themselves or retire codes. The number of codes we show are based on our own data, not official figures from Cargill Financial Services Europe Limited.

See the information on this page as a helpful check. GoldexPay is independent of Cargill Financial Services Europe Limited, we only compare transfer services. Should you notice a mistake, we welcome a short note via the contact page.

SEPA payments and the Cargill Financial Services Europe Limited BIC

Inside SEPA, euro transfers to an account in United Kingdom use the same rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

Outside the euro and from non-SEPA countries, CAFMGB22XXX is still part of the payment details. If your banking app asks for the BIC anyway, adding CAFMGB22 does no harm.

Instant euro transfers are widely supported across SEPA. Charges on SEPA transfers are generally low.

Transfer times and tracking a payment to Cargill Financial Services Europe Limited

There is no single delivery time: many land within a day while others need several business days. Payments made late in the day or just before weekends and holidays often go out a business day later. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, ask the sending bank for the tracking status; with that reference banks can see where the payment is. Money transfer services usually provide tracking in their app so you can see where the payment has got.

Only the sending bank is able to request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, you can look at your account to see a partial amount.

Head office or branch code at Cargill Financial Services Europe Limited?

We have 12 SWIFT/BIC codes for Cargill Financial Services Europe Limited in 2 cities. Besides the head office code CAFMGB22XXX, there are codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with CAFMGB22XXX or its short form CAFMGB22. If you have been given a branch code, use it as it is instead of swapping it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

Scams that use SWIFT codes

Fraudsters often send fake invoices with new bank details sent from what looks like a familiar address. That CAFMGB22 is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Check new bank details via a separate channel like a call to a number from an earlier contract. Pressure or requests to keep it quiet tend to be red flags. When money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: a classic trick is an overpayment followed by a request to refund the difference. Do not act before the money is actually in your account and check with Cargill Financial Services Europe Limited if anything seems off.

Incoming international payments to Cargill Financial Services Europe Limited

For an international payment into your account at Cargill Financial Services Europe Limited, the person paying you needs more than the BIC. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the BIC CAFMGB22XXX (or CAFMGB22) and, often, your postal address.

Some banks also ask for the name and address of Cargill Financial Services Europe Limited in Weybridge, so keep it at hand. Check every detail before you share them.

Money from abroad does not always arrive in full. Fees for incoming transfers vary per bank – the price list of Cargill Financial Services Europe Limited tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

Sending money abroad from Cargill Financial Services Europe Limited

If you send money abroad via Cargill Financial Services Europe Limited, the visible fee is only part of the cost. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the largest cost even though it is not listed as a fee. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares transfer providers side by side, showing what actually arrives before you commit. Using a transfer service does not require closing your account at Cargill Financial Services Europe Limited – you pay the provider from your own account.

Verifying the SWIFT code of Cargill Financial Services Europe Limited

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have differs from CAFMGB22 or CAFMGB22XXX, stop and ask: check with the recipient or with Cargill Financial Services Europe Limited directly.

If the code is wrong, the payment may get stuck, be returned or end up costing more. A mistake in the account number can be more serious; check it just as carefully.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums, even if it costs an extra fee.

CAFMGB22 or CAFMGB22XXX – which one to use?

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. The result is CAFMGB22 for Cargill Financial Services Europe Limited.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why CAFMGB22XXX and CAFMGB22 lead to the same place.

Type the code in one piece, in upper case and without spaces. Watch for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.