First National Bank SWIFT/BIC code

First National Bank SWIFT code: FNABUS71

The short code FNABUS71 and the full code FNABUS71XXX identify the same bank: First National Bank. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right institution. In daily life you usually see the code on invoices from abroad, in your banking app and on the account details of First National Bank customers.

This page is meant to help anyone who pays into an account at First National Bank without mistakes. The BIC names an institution, never a single account; the IBAN or account number does that.

Protect yourself against fake payment requests

Stay wary when someone unexpectedly asks you to pay into another account or a bank in another country. The fact that FNABUS71 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Check changed bank details through a separate channel. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Contact your bank without delay and have them start a recall and report the fraud.

Fraud also target the receiver: someone claims to have sent too much and asks you to refund the extra to a new account. Do not act before the money has really arrived.

When will the money arrive at First National Bank?

There is no fixed delivery time for every transfer: many land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Occasionally a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, contact your bank for the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services usually provide a status online showing how far the money has got.

Only the sending bank can request a trace. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Sending money abroad from First National Bank

What you pay for a payment abroad has more than one component – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency, the bank often uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest cost, and it is easy to miss. A simple test: set the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service turns out to be less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean closing your account at First National Bank.

Which of the 14 codes of First National Bank do you need?

First National Bank uses 14 separate SWIFT/BIC codes across 11 cities. Only one is the head office code, FNABUS71XXX; the others belong to branches or departments, and sometimes specific services.

For most payments to a private or business account, the head office code FNABUS71XXX is what you need. When you receive a branch code, stick to it rather than swapping it for the head office code.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more likely to change than the head office code.

How up to date is this code?

The details here come from publicly available data which we refresh regularly. Institutions reorganise, change names and change codes – a directory can be a step behind. Counts and locations come from our directory and are not confirmed by First National Bank.

See our directory on this page as a handy check and rely on the recipient or First National Bank for the final confirmation. GoldexPay is a comparison site and not affiliated with First National Bank. Should you notice a mistake, we welcome a short note.

Incoming international payments to First National Bank

To receive a transfer from abroad into your account at First National Bank, the person paying you needs not just the BIC. In practice that means: your name as registered with First National Bank, your account number or IBAN, the BIC FNABUS71XXX and usually your postal address.

Some banks also ask for the address of First National Bank. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

Money from abroad does not always land for the full amount. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

8 or 11 characters: FNABUS71 versus FNABUS71XXX

A BIC is made up of fixed blocks: the first four letters identify the bank, the next two show the country and the two after that indicate the location. The result is FNABUS71 for First National Bank.

The full version has three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why FNABUS71XXX and FNABUS71 lead to the same place.

In practice the code is written in capitals and without spaces. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

Before you send: check the First National Bank code

Have the recipient copy their bank details straight from their online banking. When the code you were given differs from FNABUS71 or FNABUS71XXX, do not guess – contact the recipient or First National Bank.

Mistakes in the SWIFT code tend to be annoying more than fatal: often the payment comes back, minus fees. A mistake in the account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A format check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks check the name against the account before you confirm – do not ignore a mismatch warning. For a first payment, many people send a small amount first.

Sending USD to First National Bank

Most accounts at First National Bank are typically held in USD, the local currency. If you send money in a different currency, the amount has to be converted at some point. You rarely see a separate line for the conversion; it is built into the rate.

Where the conversion happens affects the final amount. Sending the amount directly in USD usually prevents an extra conversion – as long as your own rate is good.

Rates for USD change during the day, and some providers let you lock in a rate. With bigger transfers, even seemingly small gap in the rate adds up quickly.