Barclays Capital SWIFT/BIC code

What BARCUS3B means for a payment to Barclays Capital

The 8-character code BARCUS3B and the 11-character code BARCUS3BXXX identify one and the same institution: Barclays Capital, with its head office in New York,ny. A BIC does one job: it makes sure that an international payment reaches the right bank. In practice you usually come across the code on invoices from abroad, in payment forms and in the bank details of Barclays Capital customers.

We wrote this page to help anyone who pays into an account at Barclays Capital. The SWIFT code alone cannot identify a personal account; that is what the IBAN or account number is for.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message saying that a contact has a new bank account. A real SWIFT code says nothing about whether the request is genuine.

Do not trust contact details in the same message that announces the change. Pressure and requests to keep it quiet are warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, call your bank right away.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Transfer times and tracking a payment to Barclays Capital

How fast a transfer arrives at Barclays Capital is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add a day or more to the journey. Occasionally a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the status or the UETR so they can trace it along the chain. Keep your transfer receipt – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid needs to start with their own bank, not the receiving bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

About this information

We gather SWIFT/BIC codes using public sources and check them from time to time. Still, banks merge, rename themselves or change codes and our data may lag behind. The number of codes on this page reflect what is in our directory and not on information from Barclays Capital itself.

Before any payment that matters, confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is an independent comparison site and not affiliated with Barclays Capital. Found an error? Let us know via our contact form.

Which of the 2 codes of Barclays Capital do you need?

Having 2 codes, Barclays Capital belongs to the banks that use separate codes for parts of the organisation. The head office code is BARCUS3BXXX.

Usually you do not need to look up a branch: transfers addressed to BARCUS3BXXX reach Barclays Capital correctly. Only use a branch code when the recipient gives you that exact code.

When in doubt, ask the person you are paying which code their bank gave them. Codes for branches are more likely to change than BARCUS3BXXX when a bank merges or closes offices.

Getting paid from abroad into a Barclays Capital account

Someone abroad who wants to pay you needs several details about your account, and missing ones are a common cause of delays. Give them the account holder’s name, your account number or IBAN, SWIFT code BARCUS3BXXX and your address.

It helps to include the bank name and New York,ny too, because some payment forms have separate fields for them. A mistake in your account number is more trouble than you might think; copy them from your banking app rather than typing.

The amount you receive can be less than what was sent. Charges on incoming payments vary per bank; check the price list of Barclays Capital. Agree with the sender who covers the fees before the money is sent.

Verifying the SWIFT code of Barclays Capital

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it with BARCUS3B on this page.

Errors in the BIC tend to be costly rather than disastrous – usually the money comes back, minus fees and time lost. An error in the IBAN or account number is a bigger problem.

Most online banking apps check the format of IBANs. More and more banks check the name with the account. When you pay someone new, some people start with a small test amount before sending the rest.

Paying someone abroad from your Barclays Capital account

The price of a payment abroad is made up of more than one component – not just the fee on your screen. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

That exchange rate margin is often the largest cost because it is hidden in the rate. Check their rate with the mid-market rate. The difference is your real conversion cost.

Money transfer services frequently offer a rate near the mid-market rate. GoldexPay lists these services next to each other so you can see the amount the recipient gets for the same amount sent. You can still keep your account at Barclays Capital to fund the transfer.

Paying into Barclays Capital in USD

United States uses the US Dollar. When you pay another currency, the amount gets converted at some point: by your bank, an intermediary or Barclays Capital itself. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects the final amount. Compare how much USD the recipient gets via several services; the difference between options can be larger than you expect.

The USD rate fluctuates constantly, so the amount you see is usually only valid for a short time. On larger amounts, a small gap in the rate adds up quickly.

BARCUS3B or BARCUS3BXXX – which one to use?

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. Together, those parts make up BARCUS3B, the code most people search for.

XXX at the end of BARCUS3BXXX is not a missing value or an error: it stands for the head office of Barclays Capital. Some forms insist on 11 characters, and then you can enter XXX after BARCUS3B.

In practice the code is typed in capitals. A wrong character can send the money to another bank, so check it twice.