Halifax Credit Card Limited SWIFT/BIC code

SWIFT/BIC code of Halifax Credit Card Limited

If an invoice shows BOFSGB41 or BOFSGB41XXX, you are looking at the identical identifier for Halifax Credit Card Limited in United Kingdom. The code does one job: it ensures that an international payment ends up at the right bank. You will need it mainly when dealing with transfers between countries and payments in foreign currencies.

Further down you will find the practical questions: money coming in from abroad, paying someone in another country and how to check a SWIFT code before you hit send. The BIC identifies an institution, never a single account; the IBAN or account number does that.

Sending money abroad from Halifax Credit Card Limited

What you pay for a payment abroad is made up of more than one component. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate.

That exchange rate margin is often the biggest item, and it is easy to miss. An easy check: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many routes, a specialist provider turns out to be cheaper than a bank. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. Using a transfer service does not mean leaving Halifax Credit Card Limited: you simply pay the service from your account.

How to check BOFSGB41 before you pay

The best place to find the correct BIC is paperwork issued by the bank. Compare that code against BOFSGB41 on this page and ask if anything does not match.

Mistakes in the SWIFT code are costly rather than disastrous. A mistake in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

An automatic check in your banking app merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending gives an extra layer of safety. A small test payment is a sensible step for a large first payment despite the extra fee.

Scams that use SWIFT codes

Scammers regularly send payment requests with new bank details. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Always confirm changed bank details through a phone call. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Call your bank without delay and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference to another account. Wait until the money has really arrived and check with Halifax Credit Card Limited if anything seems off.

Tracking a transfer to or from Halifax Credit Card Limited

There is no single delivery time for international payments: some arrive within a day. Payments made late in the day or just before weekends and holidays usually start the next business day. Sometimes a bank wants to know what the payment is for.

If a transfer seems delayed, contact your bank about the tracking status or the UETR; with that reference banks can see where the payment is. Save the payment confirmation – you will need it for any trace request.

If the money does not arrive after a few business days, the sender needs to contact their own bank. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

The British Pound and what conversion costs you

United Kingdom pays in the British Pound. Money sent in a different currency is converted into GBP. Every conversion eats into something, even when no fee is shown.

Who does the conversion has an effect on how much arrives. Often you pay less if you send GBP straight away through a transfer service with a good rate, so that the receiving bank does not need to convert again.

The rate for GBP changes constantly. If you pay regularly, a slightly better rate add up over a year.

A note on our data

The directory on GoldexPay draws on publicly available sources and is updated regularly. Banks reorganise, change names and retire codes. The number of codes on this page reflect our own data.

Treat our data as a reference, rather than as the last word. GoldexPay is not affiliated with Halifax Credit Card Limited, we only compare transfer services. Spotted outdated information? Tell us through the contact page.

8 or 11 characters: BOFSGB41 versus BOFSGB41XXX

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and two characters for the location. In this case, the 8-character core is BOFSGB41.

The long version has a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, so BOFSGB41XXX and BOFSGB41 are interchangeable.

As a rule the code is written in capitals and without spaces. Watch for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Incoming international payments to Halifax Credit Card Limited

A sender in another country needs several details about your account, and missing ones are a common cause of delays. Share your name as the bank knows it, your account number or IBAN, the BIC BOFSGB41XXX and your address.

It helps to include Halifax Credit Card Limited and Dunfermline too, because some payment forms have separate fields for them. Double-check every detail before you send them.

Money from abroad will not always land in full. Charges on incoming payments differ from bank to bank – the price list of Halifax Credit Card Limited tells you what applies. On invoices, you can state who bears the costs.

Euro transfers to Halifax Credit Card Limited: is a BIC needed?

Inside SEPA, euro transfers to an account in United Kingdom follow the same rules and in most cases need only the IBAN. The BIC field is usually optional or missing in that case.

The BIC still matter when the currency is not euros. If your banking app asks for the BIC regardless, adding BOFSGB41 is fine.

SEPA transfers usually arrive by the next business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

Choosing between the 3 SWIFT codes of Halifax Credit Card Limited

Halifax Credit Card Limited uses 3 different SWIFT/BIC codes across 1 cities. Only one is the head office code, BOFSGB41XXX; the others identify branches or departments.

If nobody asks you for a branch code, use BOFSGB41XXX. When you receive a branch code, use it as it is instead of swapping it with the head office code.

Unsure which code applies? Check with the recipient. Codes can change over time, so do not rely on old paperwork.