Killik and Co. SWIFT/BIC code

KILIGB21 – the SWIFT/BIC code of Killik and Co.

The short code KILIGB21 and the full code KILIGB21XXX refer to the same bank: Killik and Co.. The code does one job: it makes sure that an international payment ends up at the right bank. In practice you usually see the code on invoices from abroad, in your banking app and on the account details that Killik and Co. provides.

We wrote this page to help anyone who receives money at an account at Killik and Co. and wants to get the details right. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

Which of the 2 codes of Killik and Co. do you need?

Killik and Co. uses 2 separate SWIFT/BIC codes. Only one is the head office code, KILIGB21XXX; the rest belong to branches.

If nobody asks you for a branch code, go with KILIGB21XXX or its short form KILIGB21. Only use a branch code when your contact gives you that exact code.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Do you need KILIGB21 for a SEPA transfer?

Inside SEPA, euro transfers to Killik and Co. use common rules and in most cases need only the IBAN. The BIC field is usually optional or missing in that case.

The BIC still come into play for payments in other currencies, and for transfers from outside SEPA. If your banking app has a field for the BIC anyway, entering KILIGB21 is fine.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA transfers are generally low as long as everything stays in euros.

Before you send: check the Killik and Co. code

The most reliable source for a SWIFT code is the bank details provided by the recipient. When the code you were given differs from KILIGB21 or KILIGB21XXX, do not guess – contact the recipient or Killik and Co..

Errors in the BIC are costly rather than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: an error there is harder to undo than a wrong BIC.

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. More and more banks check the payee name against the account before you confirm. A small test payment can be worth it for a large first payment.

Paying into Killik and Co. in GBP

United Kingdom pays in the British Pound (GBP). If you send another currency gets converted at some point – by your bank, by Killik and Co. or by a bank in between. There is rarely a separate line for that conversion.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Check how much GBP the recipient gets with several providers; the difference between options can be larger than you expect.

The GBP rate fluctuates throughout the day. If you pay regularly, a slightly better rate make a real difference over a year.

A note on our data

The directory on GoldexPay draws on publicly available sources and we update it periodically. It can happen that information on this page is no longer current. Figures such as the number of codes come from our directory.

Before a payment that matters, always confirm the BIC with Killik and Co. or with the recipient. GoldexPay is an independent comparison site and not part of Killik and Co.. Found outdated information? Tell us via our contact form so we can correct it.

Watch out for payment fraud

Scammers regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Do not rely on a phone number from the same email that contains the change. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. When a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone claims to have sent more than agreed and asks you to refund the difference. A payment confirmation from the sender proves nothing.

International transfers from Killik and Co.: the real cost

The price of a payment abroad is made up of more than one component – not just the fee on your screen. You pay the transfer fee, possibly charges from correspondent 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 biggest item because it is hidden in the rate. Check their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. GoldexPay compares what recipients receive with different providers. You can always use your account at Killik and Co. to fund the transfer.

Why Killik and Co. has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. For Killik and Co., that core is KILIGB21.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is written in capitals. A single letter may route a payment to another bank.

When will the money arrive at Killik and Co.?

A SWIFT payment usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add a day or more to the journey. Extra checks on larger or unusual payments may also add some delay, even when all details are correct.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show a status in their app showing where the payment has got.

A missing payment has to be traced from the sending side, using the payment confirmation. As a recipient, it helps to look at your account for a partial amount because fees can reduce the amount.

What to give a sender who pays you at Killik and Co.

When you expect a payment from another country, give the sender everything they need in one go. The basics are: the account holder’s name, IBAN or account number, KILIGB21XXX or KILIGB21 and, for some countries, your postal address.

Certain banks also ask for the name and address of Killik and Co.; it does no harm to include it. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers vary per bank. Make clear with the sender who pays which costs before the money is sent.