Bokf, NA SWIFT/BIC code

BAOKUS44 – the SWIFT/BIC code of Bokf, NA

The short code BAOKUS44 and the 11-character code BAOKUS44XXX refer to one and the same institution: Bokf, NA, with its head office in Tulsa,ok. A SWIFT code tells the banks handling a payment which institution is meant to get the money, much like a postcode for banks. It comes up mostly for transfers between countries.

On this page you can read what the code means, when you need it and what else you need for a transfer to or from Bokf, NA. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number is for.

Before you send: check the Bokf, NA code

The best place to find the correct BIC is paperwork issued by the bank. Check that code with BAOKUS44 here.

With a wrong code, the payment may be delayed, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number can be more serious.

An automatic check in your banking app only tells you that the code exists. If your bank offers it, a name check on the recipient adds an extra layer of safety. Sending a small amount first is worth it for a large first payment, even if it costs an extra fee.

Sending USD to Bokf, NA

United States pays in the US Dollar. Money sent in a different currency is converted into USD on its way to Bokf, NA, and whoever converts it chooses the rate. Every conversion eats into the amount – usually through the rate rather than a fee.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Sending the amount directly in USD often avoids an extra conversion, provided the rate you get is fair.

The rate for USD fluctuates throughout the day and quotes are often valid only for a short time. For recurring payments, a slightly better rate make a real difference over a year.

Receiving money from abroad at Bokf, NA

For a transfer from abroad at Bokf, NA, the person paying you needs not just the BIC. Give them the account holder’s name, the IBAN or account number, SWIFT code BAOKUS44XXX and your address.

Their bank might request the bank address of Bokf, NA. Check the details before you send them.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees, especially for larger amounts.

Transfer times and tracking a payment to Bokf, NA

An international transfer usually takes one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add extra days to the journey. Extra checks by one of the banks may also add some delay, even when all details are correct.

If the money seems delayed, ask your bank about the status. Save the payment confirmation.

If a payment has not arrived within the expected time, the sender should start with the bank that sent it rather than Bokf, NA. As a recipient, you can look at your account to see a slightly lower amount.

A note on our data

We gather SWIFT/BIC codes using publicly available data and update our list from time to time. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes are from our own dataset and may differ from what Bokf, NA publishes.

For any payment that matters, confirm the code with the recipient’s bank or with the recipient. GoldexPay is an independent comparison site for money transfers and not part of Bokf, NA. Found outdated information? Tell us via our contact form.

Sending money abroad from Bokf, NA

The price of an international transfer is made up of several parts. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

Banks rarely list their exchange rate markup separately. A simple test: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare what recipients receive with different services, which makes the cheapest option easy to spot. You can still use your account at Bokf, NA to fund the transfer.

Head office or branch code at Bokf, NA?

We have 2 SWIFT/BIC codes for Bokf, NA, spread over 2 cities. Besides the head office code BAOKUS44XXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use BAOKUS44XXX or its short form BAOKUS44. Only use a branch code when the recipient gives you that exact code.

The best way is to copy the code directly from the recipient’s bank details. Codes can change over time, so do not rely on old paperwork.

Protect yourself against fake payment requests

Stay wary when a contact suddenly asks you to pay into another account or a bank in another country. That BAOKUS44 is a real code is no guarantee that the account is genuine.

Never rely on a phone number from the same email that announces the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also work the other way. Someone sends too much and asks you to return the extra. A screenshot of a transfer is no proof – check your own account.

Why Bokf, NA has an 8- and an 11-character code

Every 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. The result is BAOKUS44 for Bokf, NA.

XXX at the end of BAOKUS44XXX is not a placeholder or an error: it stands for the main office of Bokf, NA. Some forms ask for 11 characters, and then you simply add XXX after BAOKUS44.

Type the code as one block, in capitals and without separators. A wrong character may route the money to a different institution.