Epoch Investment Partners, Inc SWIFT/BIC code

EPOOUS31 – the SWIFT/BIC code of Epoch Investment Partners, Inc

The short code EPOOUS31 and the 11-character code EPOOUS31XXX identify the same bank: Epoch Investment Partners, Inc in New York,ny, United States. Banks worldwide use these codes to route payments between countries to the correct bank. In practice you usually come across it on invoices from abroad, in payment forms and on the account details that Epoch Investment Partners, Inc provides.

Further down you will find the practical side: receiving money at Epoch Investment Partners, Inc, sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code names a bank or branch, never a single account.

What to give a sender who pays you at Epoch Investment Partners, Inc

For an international payment into your account at Epoch Investment Partners, Inc, the sender has to have more than the SWIFT code. What they need is: the account holder’s name, account number or IBAN, EPOOUS31XXX and in many cases your home address.

It helps to add the bank name and New York,ny too, because some payment forms have separate fields for them. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

What lands in your account can be lower than what was sent. Charges on incoming payments vary per bank; check the price list of Epoch Investment Partners, Inc. For business payments, it is common to agree who bears the costs, so that nobody is left short.

Transfer times and tracking a payment to Epoch Investment Partners, Inc

How fast a payment arrives at Epoch Investment Partners, Inc is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, ask your bank for the status; with that reference banks can see where the payment is. Save the payment confirmation until the recipient confirms.

A delayed transfer has to be investigated by the sending bank on the basis of the transfer details. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Sending money abroad from Epoch Investment Partners, Inc

The price of a payment abroad is made up of several parts – not just the fee on your screen. There is the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

That exchange rate margin tends to be the largest item even though it is not listed as a fee. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares these services side by side so you can see what actually arrives for the same amount sent. You can still keep your account at Epoch Investment Partners, Inc to fund the transfer; only the conversion and sending happen elsewhere.

Paying into Epoch Investment Partners, Inc in USD

The currency of United States is the US Dollar (USD). If you send money in a different currency it has to be converted somewhere along the way. There is rarely a separate line for that conversion; it is built into the rate.

Who does the conversion affects the final amount, as rates and margins differ per bank. Check how much USD the recipient gets via several providers.

Rates for USD move during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over a year.

Protect yourself against fake payment requests

One of the most common tricks works like this: an email arrives with a request claiming that a contact has new bank details and asking you to pay there from now on. The fact that EPOOUS31 exists does not mean that the account is genuine.

Always verify changed bank details through a phone call, using a number you already had. Pressure or requests to keep it quiet are red flags. Acted too fast? Contact the bank you paid from without delay and ask them to start a recall.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference abroad. Wait until the money is actually in your account and check with Epoch Investment Partners, Inc if anything seems off.

Head office or branch code at Epoch Investment Partners, Inc?

Having 2 codes in 1 cities, Epoch Investment Partners, Inc is one of the banks that register individual codes for parts of the organisation and departments. The main code is EPOOUS31XXX.

If nobody asks you for a branch code, use EPOOUS31XXX or its short form EPOOUS31. Just use a branch code when your contact gives you that exact code, for example on a letter or invoice.

The best way is to take the code straight from the recipient’s invoice. Branch codes are sometimes changed or retired when banks reorganise.

8 or 11 characters: EPOOUS31 versus EPOOUS31XXX

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. The result is EPOOUS31, the short form of the code.

Many banks and apps accept both lengths. If yours asks for eleven characters, use EPOOUS31XXX.

In practice the code is typed in capitals, without spaces or dashes. Pasting the code beats retyping it.

About this information

We gather SWIFT/BIC codes from publicly available data and check them from time to time. Institutions merge, close branches and retire codes. The figures on this page reflect our own data.

Treat the information on this page as a handy check. GoldexPay is a comparison site for money transfers and not affiliated with Epoch Investment Partners, Inc. Spotted an error? Let us know through the contact page.

Before you send: check the Epoch Investment Partners, Inc code

The best place to find the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from EPOOUS31 or EPOOUS31XXX, do not guess: check with the recipient or with Epoch Investment Partners, Inc directly.

If the code is wrong, the transfer might be delayed, be returned or end up costing more. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

A format check by your bank only confirms that the code exists, not that it is the right account. Where available, a payee name check on the recipient gives extra certainty. A small test payment can be a sensible step for large sums, even if it costs an extra fee.