First National Bank of Pennsylvania SWIFT/BIC code

What FNPEUS31 means for a payment to First National Bank of Pennsylvania

The short code FNPEUS31 and the full code FNPEUS31XXX refer to the same bank: First National Bank of Pennsylvania, with its head office in Erie,pa. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct institution. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

This page is meant to help people who pays into an account at First National Bank of Pennsylvania. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

How long does an international transfer to First National Bank of Pennsylvania take?

An international transfer usually needs anywhere from one to several business days. Weekends and public holidays in the sending or receiving country add extra days, since banks do not process on those days. Extra checks by one of the banks can also cause a delay, even when all details are correct.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment has to be traced from the sending side, using the payment confirmation. As a recipient, you can look at your statements for a slightly lower amount, since fees may have been deducted.

Watch out for payment fraud

One of the most common tricks works like this: you receive a message saying that a supplier has new bank details and that the next payment should go there. A real SWIFT code says nothing about who owns the account – scammers simply use real codes.

Always confirm changed bank details through a phone call. Pressure or requests to keep it quiet are warning signs; a genuine business can wait for you to check. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver: someone sends more than agreed and wants you to return the difference. A screenshot of a transfer proves nothing.

Getting paid from abroad into a First National Bank of Pennsylvania account

To receive a transfer from abroad at First National Bank of Pennsylvania, the sender has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code FNPEUS31XXX (or FNPEUS31) and usually your address.

Some sending banks want the bank’s address in Erie,pa. Check every detail before you share them.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin applies. On invoices, you can agree how the fees are split to avoid a shortfall.

About this information

The directory on GoldexPay draws on public sources. Banks merge, change names and change codes, and a directory never catches every change immediately. The figures on this page reflect what is in our directory.

For any payment of any size, confirm the code with the recipient’s bank or with the recipient. GoldexPay has no connection to First National Bank of Pennsylvania; we are a comparison site for money transfers. Found an error? Let us know via our contact form so we can correct it.

8 or 11 characters: FNPEUS31 versus FNPEUS31XXX

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. For First National Bank of Pennsylvania, the 8-character core is FNPEUS31.

Most payment forms work with both lengths. If yours requires eleven characters, enter FNPEUS31XXX.

In practice the code is typed in capitals. A wrong letter may route the money to a different institution.

Paying someone abroad from your First National Bank of Pennsylvania account

A bank transfer abroad costs more than the listed fee. On top of a fixed fee, banks in between can take a cut, and if the money changes currency, the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. Compare their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many routes, a specialist provider is cheaper than a traditional bank transfer. Before your next transfer, it is worth comparing the total cost via GoldexPay. Choosing a specialist does not mean closing your account at First National Bank of Pennsylvania.

Sending USD to First National Bank of Pennsylvania

United States uses the US Dollar. If you send another currency it gets converted at some point. You rarely see a separate line for the conversion; it is built into the rate.

Which bank converts the payment matters: every bank has its own margin. Sending the amount already in USD usually avoids a second conversion, provided the rate you get is fair.

The rate for USD fluctuates throughout the day. For regular payments, a slightly better rate make a real difference over time.

Choosing between the 2 SWIFT codes of First National Bank of Pennsylvania

Our directory lists 2 SWIFT/BIC codes for First National Bank of Pennsylvania, spread over 2 locations. Besides the head office code FNPEUS31XXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, go with FNPEUS31XXX or its short form FNPEUS31. If you have been given a branch code, use it as it is rather than swapping it for the head office code.

The best way is to take the code straight from the recipient’s statement. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Before you send: check the First National Bank of Pennsylvania code

The most reliable place for the correct BIC is paperwork issued by the bank. Compare that code with FNPEUS31 on this page.

With a wrong code, the transfer may get stuck, be returned or cost extra – sometimes after weeks of searching. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the structure of an IBAN and some suggest the matching BIC. More and more banks compare the name with the account – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums.