Bank of Hope SWIFT/BIC code

What NARAUS6L means for a payment to Bank of Hope

NARAUS6L and NARAUS6LXXX are the short and the long form of the same bank identifier, and both point to Bank of Hope in Gardena,ca. The code does one job: it ensures that an international payment ends up at the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and in the bank details of Bank of Hope customers.

Below we go through the practical side: money coming in from abroad, sending money abroad and how to verify the code before you confirm a payment. The BIC identifies a bank or branch, not a single account, which is why you always need the account number too.

8 or 11 characters: NARAUS6L versus NARAUS6LXXX

Each SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. Together, those parts make up NARAUS6L – the version you usually see online.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, the code points to the head office.

Enter the code in one piece, in capitals and without spaces. Look out for O versus 0 or I versus 1.

Tracking a transfer to or from Bank of Hope

An international transfer usually needs anywhere from one to several business days. Bank holidays in either country add a day or more to the journey. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks use SWIFT gpi. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking online so you can see where the money is.

A missing payment is traced from the sending side on the basis of the transfer details. As a recipient, it helps to check your statements for a partial amount because fees can reduce the amount.

Incoming international payments to Bank of Hope

When you are waiting for money from abroad, send the payer all details at once. The basics are: your name, IBAN or account number, NARAUS6LXXX or NARAUS6L and, for some countries, your home address.

You can include Bank of Hope and its city too, because some payment forms have separate fields for them. A mistake 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 smaller than what the sender paid. Fees for incoming transfers differ per bank. For business payments, you can agree how the fees are split to avoid a shortfall.

A note on our data

This directory is compiled from public sources. Banks merge, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our directory and are not confirmed by Bank of Hope.

Treat the information on this page as a handy check and rely on the recipient or Bank of Hope for the final confirmation. GoldexPay is not affiliated with Bank of Hope. Found outdated information? Let us know through the contact page so we can correct it.

Bank of Hope: head office code versus branch codes

Our directory lists 4 SWIFT/BIC codes for Bank of Hope, spread over 3 cities. Besides the head office code NARAUS6LXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code NARAUS6LXXX works fine. Branch codes are only needed when the account holder specifically mentions it.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are more likely to be retired than the head office code.

Changed bank details? Be careful

Stay wary when a contact unexpectedly asks you to pay into a different account abroad. The fact that NARAUS6L exists does not mean that a request mentioning it is genuine.

Do not rely on a phone number from the same email that contains the new account. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. When a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams can also target the receiver. Someone claims to have sent more than agreed and wants you to return the extra to a new account. A payment confirmation from the sender is no proof.

Paying into Bank of Hope in USD

United States pays in the US Dollar. When you pay another currency it has to be converted at some point. There is rarely a separate line for that conversion – the cost sits in the rate.

Which bank converts the money matters: every bank has its own margin. In many cases it is cheaper to send USD directly via a provider with a good rate rather than letting the receiving bank convert.

Exchange rates move all the time, and some providers let you lock in a rate. With bigger transfers, a small gap in the rate adds up quickly.

Is NARAUS6L still correct? How to check

Ask the recipient to copy their bank details straight from their banking app. Check that code against NARAUS6L here and ask if anything does not match.

With a wrong code, the payment might be delayed, be returned or cost extra. Remember the account number: a mistake there can be more difficult to correct than a wrong code.

A validity check in your banking app only tells you that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks compare the payee name with the account before you confirm; take any warning seriously. For a first payment, some people send a small test amount and wait for confirmation.

Sending money abroad from Bank of Hope

A bank transfer abroad costs rather more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency, the bank often applies a rate below the real market rate.

Banks do not list the margin on the rate separately – you only notice it if you compare. An easy check: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. Using a transfer service does not mean closing your account at Bank of Hope – you pay the provider from your own account.