Fidelity and Guaranty Life Insura SWIFT/BIC code

Fidelity and Guaranty Life Insura SWIFT code: FGLIUS33

The 8-character code FGLIUS33 and the full code FGLIUS33XXX identify the same bank: Fidelity and Guaranty Life Insura. A BIC does one job: it makes sure that a cross-border transfer ends up at the right bank. In daily life you mostly come across the code on international invoices, in your banking app and in the bank details of Fidelity and Guaranty Life Insura customers.

On this page we explain how the code means, when you need it and what else you need for a transfer to or from Fidelity and Guaranty Life Insura. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Receiving money from abroad at Fidelity and Guaranty Life Insura

Someone abroad who wants to pay you needs a few 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 FGLIUS33XXX and your address.

Their bank might request the address of your bank, in which case the Baltimore,md head office is the usual answer. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

An incoming payment does not always land for the full amount. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs before the money is sent.

FGLIUS33 or FGLIUS33XXX – which one to use?

Every 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. For Fidelity and Guaranty Life Insura, that core is FGLIUS33.

XXX at the end of FGLIUS33XXX does not stand for a missing value or an error: it indicates the main office of Fidelity and Guaranty Life Insura. Some forms insist on 11 characters, in which case you simply enter XXX behind FGLIUS33.

Do not add spaces, dots when you enter FGLIUS33; the code is always written in one block. A wrong character can send a payment to another bank.

When will the money arrive at Fidelity and Guaranty Life Insura?

An international transfer usually takes anywhere from one to several business days. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Compliance checks by one of the banks may also add a delay.

A growing number of banks use SWIFT gpi. Every gpi transfer gets a unique reference, the UETR. Save your transfer receipt – you will need it for any trace request.

A missing payment is traced from the sending side. Ask the sender for the payment receipt.

Before you send: check the Fidelity and Guaranty Life Insura code

Ask the recipient to copy their bank details straight from their banking app. Check that code against FGLIUS33 on this page and ask if anything does not match.

If the code is wrong, the payment may be delayed, be returned or end up costing more. Remember the IBAN: an error there is more difficult to correct than a wrong code.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first is worth it for a large first payment.

The US Dollar and what conversion costs you

The national currency of United States is the US Dollar (USD). If you send money in a different currency it gets converted somewhere along the way. Each conversion eats into the amount, even when no fee is shown.

Who converts the money matters: every bank has its own margin. Check how much USD arrives via several services; the difference between options can be larger than you expect.

The rate for USD fluctuates throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate make a real difference over time.

Paying someone abroad from your Fidelity and Guaranty Life Insura account

What you pay for a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency, the bank usually applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts at a rate that includes a margin. Compare their rate with the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a transfer service turns out to be cheaper than a bank, mainly because of the exchange rate. Next time you send money, take a minute to compare the total cost on GoldexPay. Choosing a specialist does not mean leaving Fidelity and Guaranty Life Insura: you simply pay the service from your account.

Protect yourself against fake payment requests

Criminals often send payment requests containing new bank details, sometimes in an email that looks completely genuine. That FGLIUS33 is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Check changed bank details through a different channel like a call to a number from an earlier contract, not by replying to the message. Urgency or secrecy tend to be red flags. If money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also work the other way. Someone sends too much and asks you to return the difference. A screenshot of a transfer proves nothing – check your own account.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from public sources and update them from time to time. Banks reorganise, change names and retire codes. The number of codes we show are based on our own data.

Treat the information here as a helpful check and rely on the recipient or Fidelity and Guaranty Life Insura for the final confirmation. We are a comparison service and not part of Fidelity and Guaranty Life Insura. If you notice a mistake, we appreciate a message.

Fidelity and Guaranty Life Insura: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Fidelity and Guaranty Life Insura in 1 cities. Next to the head office code FGLIUS33XXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code FGLIUS33XXX is the right choice. If you have been given a specific code, stick to it instead of replacing it for the head office code.

Unsure which code applies? Check with the recipient. Codes are sometimes changed or retired over time, so do not rely on old paperwork.