Securities Finance Trust Company SWIFT/BIC code

SWIFT/BIC code of Securities Finance Trust Company

ESECUS33 and ESECUS33XXX are two spellings of the same bank identifier, and both point to Securities Finance Trust Company in Baltimore,md. Banks worldwide use BIC codes to direct international transfers to the correct bank. You will need it mostly for payments that cross a border or a currency.

We wrote this page to help people who receives money at an account at Securities Finance Trust Company. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number is for.

What a transfer from Securities Finance Trust Company abroad really costs

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Banks do not show the margin on the rate separately. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives on GoldexPay. You can still keep your account at Securities Finance Trust Company to fund the transfer.

Paying into Securities Finance Trust Company in USD

The local currency in United States is the US Dollar (USD). A payment in a foreign currency will be exchanged into USD on its way to Securities Finance Trust Company. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money makes a difference. Sending the money already in USD often prevents an extra conversion – as long as your own rate is good.

Exchange rates change during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate make a real difference over time.

Head office or branch code at Securities Finance Trust Company?

Our database contains 2 SWIFT/BIC codes for Securities Finance Trust Company, spread over 2 locations. Next to the head office code ESECUS33XXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, go with ESECUS33XXX or its short form ESECUS33. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The best way is to copy the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

Before you send: check the Securities Finance Trust Company code

The most reliable place for the right code is paperwork issued by the bank. If the code you have does not match ESECUS33 or ESECUS33XXX, stop and ask.

Mistakes in the SWIFT code are annoying rather than disastrous: often the payment comes back, minus fees. Remember the account number: an error there can be more difficult to correct than a wrong code.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically. If your bank offers it, a name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for large sums, even if it costs an extra fee.

Transfer times and tracking a payment to Securities Finance Trust Company

How fast a payment arrives at Securities Finance Trust Company depends on several factors: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made late in the day or on weekends and holidays usually go out the next business day. Occasionally a bank asks what the payment is for before releasing it.

If a transfer seems delayed, ask your bank for the tracking status and the transaction reference. Save the payment confirmation.

If the money does not arrive after a few business days, the sender needs to start with their own bank. On the receiving end, it helps to check your statements to see a slightly lower amount, since fees may have been deducted.

Scams that use SWIFT codes

Stay wary when someone unexpectedly wants you to send money to another account. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not rely on a phone number in the same message that contains the new account. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment; also report it to the police.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof.

Why Securities Finance Trust Company has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. Combined, those parts make up ESECUS33.

The long version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why ESECUS33XXX and ESECUS33 lead to the same place.

Leave out spaces or dashes when you enter ESECUS33. Watch for O versus 0 or I versus 1.

Where our SWIFT data comes from

The details on this page are taken from publicly available data which we refresh regularly. It is possible that information on this page is no longer current, for example after a merger. Counts and locations come from our directory and may differ from what Securities Finance Trust Company publishes.

Treat this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is a comparison service and not part of Securities Finance Trust Company. If you notice something that is out of date, we welcome a message via the contact page.

Receiving money from abroad at Securities Finance Trust Company

For an international payment at Securities Finance Trust Company, the sender needs not just the SWIFT code. In practice that means: your full name as registered with Securities Finance Trust Company, your IBAN or account number, the SWIFT/BIC code ESECUS33XXX (or ESECUS33) and usually your postal address.

You can include Securities Finance Trust Company and Baltimore,md as well, since some forms ask for it. Check every detail before you send them.

The amount you receive can be lower than the amount sent. Fees for incoming transfers differ from bank to bank. For business payments, it is common to state how the fees are split, so that nobody is left short.