Fil Investments International SWIFT/BIC code

Fil Investments International SWIFT code: FIDIGB21

The short code FIDIGB21 and the full code FIDIGB21XXX identify one and the same institution: Fil Investments International, with its head office in Tadworth. Banks worldwide use BIC codes to route international transfers to the right bank. In daily life you mostly come across it on invoices from abroad, in payment forms and in the bank details of Fil Investments International customers.

This page is meant to help anyone who receives money at an account at Fil Investments International. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN is for.

Tracking a transfer to or from Fil Investments International

A SWIFT payment usually needs one to a few business days. Transfers sent late in the day or just before weekends and holidays usually start a business day later. Compliance checks on larger or unusual payments may also cause a delay.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR. Money transfer services often provide tracking online showing how far the payment is.

A delayed transfer is investigated from the sending side on the basis of the transfer details. As a recipient, it helps to look at your account to see a slightly lower amount, since fees may have been deducted.

International transfers from Fil Investments International: the real cost

What you pay for an international transfer has several parts. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. Compare their rate with the mid-market rate – the rate you find on financial news sites.

For many routes, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives across services, so you can pick the cheapest route. You can always use your account at Fil Investments International as the source of the money, while a cheaper service handles the conversion.

Changed bank details? Be careful

One of the most common tricks goes like this: you receive a message saying that a supplier has a new bank account and that the next payment should go there. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify a change of bank details by phone. Pressure and requests to keep it quiet are red flags. When a payment was sent to the wrong account, call your bank right away.

Scams also work the other way: someone sends too much and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

FIDIGB21 or FIDIGB21XXX – which one to use?

The layout of a BIC is always the same: four characters for the institution, two for the country and two for the location. In this case, that core is FIDIGB21.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, they simply mean the head office.

Type the code as one block, in capitals and without separators. A single character can send the money to another bank, so check it twice.

Sending GBP to Fil Investments International

The currency in United Kingdom is the British Pound (GBP). When you pay another currency, the amount has to be converted somewhere along the way – by your bank, by Fil Investments International or by a bank in between. You rarely see a separate line for the conversion – the cost sits in the rate.

Who does the conversion affects how much arrives. Often you pay less to send GBP straight away through a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The GBP rate changes constantly. With bigger transfers, even seemingly small gap in the rate adds up quickly.

SEPA payments and the Fil Investments International BIC

Inside SEPA, euro transfers to an account in United Kingdom use the same rules. The BIC field is usually optional or missing for those payments.

Outside the euro and from non-SEPA countries, FIDIGB21XXX or FIDIGB21 remains required. A few forms still show a field for the BIC out of habit; in that case, enter FIDIGB21.

Instant payments in euros have become increasingly available across SEPA. As long as the payment stays in euros, the transfer is cheap.

Verifying the SWIFT code of Fil Investments International

Have the recipient copy the bank details straight from their banking app. Compare it with FIDIGB21 here and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or additional charges along the way. Do not forget the account number: an error there can be more difficult to undo than a wrong BIC.

Many banking apps validate the format of IBANs – that confirms the format, not the owner. Some banks now check the payee name against the account – do not ignore a mismatch warning. A small test payment is a sensible step for a large first payment, even if it costs an extra fee.

Incoming international payments to Fil Investments International

For a transfer from abroad into your account at Fil Investments International, the sender has to have not just the BIC. Give them the account holder’s name, the IBAN or account number, SWIFT code FIDIGB21XXX and your address, which some banks require.

You can include the bank name and Tadworth too, because some payment forms have separate fields for them. Check each detail before you send them.

An incoming payment does not always arrive in full. Fees for incoming transfers differ from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Head office or branch code at Fil Investments International?

Fil Investments International uses 7 separate SWIFT/BIC codes across 3 locations. Only one is the head office code, FIDIGB21XXX; the others belong to branches or departments, and sometimes internal departments.

In most cases there is no need to pick a branch: payments addressed to FIDIGB21XXX are routed within Fil Investments International without problems. A branch code only makes sense when the recipient’s bank specifically mentions it.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes can change over time, so do not rely on old paperwork.

A note on our data

This directory is compiled from publicly available sources and we update it periodically. Banks merge, close branches and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory.

See our directory here as a handy check. GoldexPay has no connection to Fil Investments International. Spotted an error? Let us know through the contact page so we can correct it.