Pacific Life Insurance Company SWIFT/BIC code

What PLINUS66 means for a payment to Pacific Life Insurance Company

The 8-character code PLINUS66 and the full code PLINUS66XXX identify the same bank: Pacific Life Insurance Company. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. You will need it mostly for transfers between countries.

This page is meant to help anyone who sends money to an account at Pacific Life Insurance Company and wants to get the details right. The SWIFT code on its own does not identify a personal account; for that you need the IBAN or account number is for.

Is PLINUS66 still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check it against PLINUS66 here.

Errors in the BIC are annoying more than disastrous. Remember the account number: a mistake there can be harder to undo than a wrong code.

Many banking apps check the structure of an IBAN and some suggest the matching BIC. More and more banks check the name with the account. For a first payment, many people start with a small amount first and wait for confirmation.

A note on our data

This directory is compiled from publicly available sources and is updated regularly. It is possible that a code on this page is no longer current. Counts and locations are from our own dataset and are not confirmed by Pacific Life Insurance Company.

See the information here as a helpful check. GoldexPay is not affiliated with Pacific Life Insurance Company, we only compare transfer services. Found an error? Let us know via our contact form so we can correct it.

Transfer times and tracking a payment to Pacific Life Insurance Company

How quickly a transfer reaches Pacific Life Insurance Company depends on a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or on weekends and holidays often start a business day later. Compliance checks on larger or unusual payments can also cause some delay, regardless of the details.

If the money seems delayed, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services usually show a status online so you can see how far the payment has got.

If the money does not arrive within the expected time, the sender needs to start with the bank that sent it rather than Pacific Life Insurance Company. Request from the sender the payment receipt.

What the XXX in PLINUS66XXX means

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Together, these eight characters make up PLINUS66.

Most payment forms work with either length. If yours asks for eleven characters, enter PLINUS66XXX, otherwise PLINUS66 is fine.

In practice the code is written in capitals and without spaces. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

US Dollar (USD) and conversion costs

Accounts at Pacific Life Insurance Company are usually held in USD, the local currency. A payment in a foreign currency is exchanged into USD. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Often you pay less if you send USD directly through a transfer service with a good rate, so that the receiving bank does not need to convert again.

The USD rate changes constantly. For recurring payments, a slightly better rate add up over a year.

Head office or branch code at Pacific Life Insurance Company?

With 2 codes in 1 locations, Pacific Life Insurance Company belongs to the banks that register individual codes for branches and departments. The main code remains PLINUS66XXX.

Usually you do not need to pick a branch: payments sent to PLINUS66XXX are routed within Pacific Life Insurance Company correctly. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

Unsure which code to use? Check with the recipient, or look at a recent statement from Pacific Life Insurance Company. Codes can change over time.

International transfers from Pacific Life Insurance Company: the real cost

An international bank payment costs more than the fee suggests. On top of a fixed fee, banks in between can deduct a fee, and when the money changes currency, the bank usually uses a rate below the real market rate.

The real cost is often in the rate: many banks convert at a rate that includes a margin. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services often use rates closer to the mid-market rate with clearer fees. GoldexPay compares what recipients receive with different providers, so you can pick the cheapest route. You can still keep your account at Pacific Life Insurance Company to fund the transfer, while a cheaper service handles the conversion.

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a message claiming that a contact has a new bank account. The fact that PLINUS66 exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference to another account. A payment confirmation from the sender is no proof.

Getting paid from abroad into a Pacific Life Insurance Company account

When you expect a payment from another country, give the sender a complete set of details. That means: your name as registered with Pacific Life Insurance Company, your IBAN or account number, the SWIFT/BIC code PLINUS66XXX (or PLINUS66) and sometimes your postal address.

It helps to include Pacific Life Insurance Company and its city as well. Check every detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Intermediary banks may deduct a fee, Pacific Life Insurance Company may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. For business payments, it is common to agree how the fees are split to avoid a shortfall.