Ss and C Fund Services (UK) LTD SWIFT/BIC code

Ss and C Fund Services (UK) LTD SWIFT code: BRGFGB22

BRGFGB22 and BRGFGB22XXX are two spellings of the same bank identifier, and both lead to Ss and C Fund Services (UK) LTD in Cobham. A BIC has a single purpose: it ensures that an international payment reaches the right bank. It comes up mainly when dealing with payments that cross a border or a currency.

Further down you will find the practical questions: receiving money at Ss and C Fund Services (UK) LTD, paying someone in another country and how to check a SWIFT code before you hit send. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

Choosing between the 11 SWIFT codes of Ss and C Fund Services (UK) LTD

Ss and C Fund Services (UK) LTD has 11 separate SWIFT/BIC codes. Only one is the head office code, BRGFGB22XXX; the others belong to branches.

For most incoming transfers, the head office code BRGFGB22XXX is the right choice. Only use a branch code when the account holder explicitly asks for it.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Why Ss and C Fund Services (UK) LTD has an 8- and an 11-character code

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location. Combined, these eight characters form BRGFGB22.

Most payment forms work with either length. If yours requires eleven characters, enter BRGFGB22XXX, otherwise BRGFGB22 is fine.

Type the code in one piece, in upper case and without separators. Copying the code is safer than retyping it.

International transfers from Ss and C Fund Services (UK) LTD: the real cost

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted, the bank usually applies a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest cost, and it is easy to miss. A simple test: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. On GoldexPay you can compare the amount that arrives with different services. Using a transfer service does not mean leaving Ss and C Fund Services (UK) LTD.

The British Pound and what conversion costs you

The currency of United Kingdom is the British Pound (GBP). A payment in a foreign currency will be converted into GBP before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate charge for that conversion.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Check how much GBP the recipient gets with different providers.

The GBP rate fluctuates throughout the day. For recurring payments, a slightly better rate add up over time.

Getting paid from abroad into a Ss and C Fund Services (UK) LTD account

When you are waiting for money from abroad, send the payer everything they need in one go. In practice that means: your name as registered with Ss and C Fund Services (UK) LTD, your account number or IBAN, the SWIFT/BIC code BRGFGB22XXX and usually your postal address.

Some sending banks also ask for the bank’s address; it does no harm to include it. Check the details before you share them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive in full. Charges on incoming payments vary per bank. Agree with the sender who pays which costs before the money is sent.

How to check BRGFGB22 before you pay

Ask the recipient to copy the bank details directly from their banking app. Check it against BRGFGB22 on this page.

Errors in the BIC are annoying rather than fatal. A mistake in the account number is more serious, because the money may be credited to someone else.

A validity check in your banking app only confirms that the IBAN is valid. If your bank offers it, a name check before sending adds extra certainty. When you pay someone new, many people start with a small test amount and wait for confirmation.

How up to date is this code?

The details here are taken from public sources which we refresh regularly. Institutions reorganise, close branches and retire codes. Figures such as the number of codes are from our directory and may differ from what Ss and C Fund Services (UK) LTD publishes.

For a payment that matters, always check the BIC with the recipient’s bank or the recipient. GoldexPay is not affiliated with Ss and C Fund Services (UK) LTD; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page.

When will the money arrive at Ss and C Fund Services (UK) LTD?

How quickly a transfer arrives at Ss and C Fund Services (UK) LTD depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and time zones. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Compliance checks on larger or unusual payments may also add a delay, regardless of the details.

When a payment takes longer than expected, ask the sending bank for the status. Specialist transfer services often show tracking in their app showing how far the money has got.

If the money does not arrive within the expected time, the person who paid should start with their own bank rather than Ss and C Fund Services (UK) LTD. As a recipient, you can check your statements for a partial amount because fees can reduce the amount.

Scams that use SWIFT codes

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

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call the bank you paid from without delay and ask them to start a recall; also report it to the police.

Scams also work the other way. Someone sends too much and asks you to return the difference. Do not act before the money has really arrived.

Do you need BRGFGB22 for a SEPA transfer?

United Kingdom is a member of the SEPA area, the zone for standardised euro payments. When you send euros from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need BRGFGB22XXX when sending payments in other currencies or transfers from countries outside SEPA. If a payment form has a field for the BIC regardless, entering BRGFGB22 does no harm.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA payments tend to be low.