Fox-Pitt, Kelton Limited SWIFT/BIC code

FPKLGB21 – the SWIFT/BIC code of Fox-Pitt, Kelton Limited

FPKLGB21 and FPKLGB21XXX are the short and the long form of the same bank identifier, and both point to Fox-Pitt, Kelton Limited in London. A BIC does one job: it makes sure that an international payment ends up at the right bank. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details that Fox-Pitt, Kelton Limited provides.

On this page you will find what the code is put together, when you need it and what else a transfer to or from Fox-Pitt, Kelton Limited requires. The BIC names an institution, never a single account.

International transfers from Fox-Pitt, Kelton Limited: the real cost

The price of a payment abroad has more than one component. Besides a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. An easy check: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares these services side by side so you can see what actually arrives. You can still use your account at Fox-Pitt, Kelton Limited, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

Be alert when a contact suddenly wants you to send money to a different account. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never trust contact details in the same message that contains the new account. Pressure and requests to keep it quiet tend to be red flags. Already paid? Call the bank you paid from without delay and have them start a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof – check your own account.

Tracking a transfer to or from Fox-Pitt, Kelton Limited

A SWIFT payment typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add extra days. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Is FPKLGB21 still correct? How to check

The best place to find the correct BIC remains a document from the bank itself, such as a statement or the account details in online banking. When the code you were given differs from FPKLGB21 or FPKLGB21XXX, stop and ask.

With a wrong code, the transfer may be delayed, bounce back or end up costing more, and tracing it can take weeks. Remember the account number: an error there can be more difficult to undo than a wrong BIC.

A validity check in your banking app merely tells you that the IBAN exists. More and more banks compare the name against the account. For a first payment, some people start with a small test amount.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on publicly available sources. Still, banks merge or change codes, so information can be out of date. Figures such as the number of codes are from our directory and are not confirmed by Fox-Pitt, Kelton Limited.

See the information here as a helpful check. GoldexPay has no connection to Fox-Pitt, Kelton Limited. Spotted outdated information? Tell us via our contact form so we can correct it.

Which of the 2 codes of Fox-Pitt, Kelton Limited do you need?

Fox-Pitt, Kelton Limited has 2 different SWIFT/BIC codes across 1 locations. One of them is the head office code; the others belong to branches, and sometimes internal departments.

Unless the recipient tells you otherwise, use FPKLGB21XXX or its short form FPKLGB21. Branch codes are only needed if the recipient’s bank specifically asks for it.

The best way is to copy the code straight from the account holder’s invoice. Codes are sometimes changed or retired over time.

Incoming international payments to Fox-Pitt, Kelton Limited

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. The basics are: the account holder’s name, IBAN or account number, FPKLGB21XXX and in many cases your home address.

The sender’s bank might request the address of your bank; the head office in London is usually fine. A typo in your account number is harder to fix than it looks.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank; check the price list of Fox-Pitt, Kelton Limited. Make clear with the sender who covers the fees.

Paying Fox-Pitt, Kelton Limited in euros within SEPA

Within the SEPA zone, euro payments to an account in United Kingdom follow the same rules. A field for the BIC is usually optional or missing in that case.

You still need FPKLGB21XXX for payments in other currencies or money from outside the SEPA area. If your banking app asks for the BIC anyway, adding FPKLGB21 is fine.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. As long as no currency is converted, the transfer is cheap; it is the conversion that costs money.

What the XXX in FPKLGB21XXX means

The structure of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location, plus an optional branch code. Together, these eight characters make up FPKLGB21.

XXX at the end of FPKLGB21XXX does not stand for a missing value or a mistake: it stands for the head office of Fox-Pitt, Kelton Limited. Certain payment forms ask for 11 characters, and then you can enter XXX behind FPKLGB21.

In practice the code is written in capitals and without spaces. A single character may route the money to a different institution, so check it twice.

Paying into Fox-Pitt, Kelton Limited in GBP

The national currency in United Kingdom is the British Pound (GBP). When you pay money in a different currency it has to be converted somewhere along the way: by your bank, an intermediary or Fox-Pitt, Kelton Limited itself. There is rarely a separate line for the conversion – the cost sits in the rate.

Which bank converts the money matters. Check how much GBP the recipient gets via different services; the difference between options can be larger than you expect.

The GBP rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate make a real difference over a year.