The Provident Bank SWIFT/BIC code

What PRDIUS33 means for a payment to The Provident Bank

PRDIUS33 and PRDIUS33XXX are the short and the long form of the same bank identifier, and both point to The Provident Bank in Amesbury,ma. Banks worldwide use BIC codes to route international transfers to the correct bank. You will need it mostly for transfers between countries.

We wrote this page to help anyone who pays into an account at The Provident Bank without mistakes. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

Receiving money from abroad at The Provident Bank

To receive an international payment into your account at The Provident Bank, the person paying you has to have more than the SWIFT code. What they need is: the account holder’s name, IBAN or account number, PRDIUS33XXX and in many cases your postal address.

The sender’s bank may request the bank address of The Provident Bank, in which case the Amesbury,ma head office is the usual answer. Double-check the details before you send them.

Expect that the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. Agree with the sender who covers the fees before the money is sent.

Protect yourself against fake payment requests

Fraudsters regularly use payment requests containing new bank details sent from what looks like a familiar address. The fact that PRDIUS33 exists is no guarantee that a request mentioning it is genuine.

Do not rely on a phone number from the same email that contains the new account. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. Already paid? Contact the bank you paid from without delay and have them try to recall the payment; also report it to the police.

Recipients are targeted too: a classic trick is an overpayment followed by a request to send back the difference abroad. A screenshot of a transfer is no proof; only your own account shows what has arrived.

About this information

The details here come from public sources which we refresh regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The number of codes we show reflect our own data.

For any payment of any size, always confirm the BIC with The Provident Bank or with the recipient. We are an independent comparison service for money transfers and not part of The Provident Bank. Found an error? Let us know via our contact form and we will look into it.

PRDIUS33 or PRDIUS33XXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. That gives you PRDIUS33 for The Provident Bank.

Many payment forms accept either length. If yours asks for eleven characters, use PRDIUS33XXX.

Leave out spaces or dashes when you enter PRDIUS33. A single letter can send a payment to a different institution, so check it twice.

When will the money arrive at The Provident Bank?

An international transfer usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on weekends and holidays often go out the next business day. Extra checks on larger or unusual payments can also add some delay, even when all details are correct.

When a payment takes longer than expected, contact your bank about the tracking status so they can trace it along the chain. Specialist transfer services often show tracking in their app so you can see how far the payment has got.

The bank that sent the money can request a trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your account for a slightly lower amount because fees can reduce the amount.

Is PRDIUS33 still correct? How to check

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from PRDIUS33 or PRDIUS33XXX, do not guess – contact the recipient or The Provident Bank.

Mistakes in the BIC are annoying rather than disastrous: often the payment comes back, minus fees. Do not forget the account number: an error there can be more difficult to undo than a wrong BIC.

An automatic check by your bank merely tells you that the IBAN exists, not that it is the right account. Where available, a payee name check before sending adds extra certainty. Sending a small amount first can be worth it for large sums.

Choosing between the 2 SWIFT codes of The Provident Bank

The Provident Bank uses 2 separate SWIFT/BIC codes across 2 cities. One of them is the head office code, PRDIUS33XXX; the others belong to branches, and sometimes internal departments.

If nobody asks you for a branch code, go with PRDIUS33XXX or its short form PRDIUS33. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more prone to change than PRDIUS33XXX when a bank merges or closes offices.

Paying into The Provident Bank in USD

United States pays in the US Dollar. A payment in a foreign currency is converted into USD before it reaches the account – and the bank that does it picks the rate. Every conversion costs the amount.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Check how much USD the recipient gets with different providers; the difference between options can be larger than you expect.

The rate for USD fluctuates constantly, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate add up over a year.

Paying someone abroad from your The Provident Bank account

When you send money abroad from The Provident Bank, the fee you see is only part of the cost. Besides the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank often uses a rate that is less favourable than the real market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. GoldexPay lists transfer providers next to each other so you can see what actually arrives before you commit. You can always keep your account at The Provident Bank as the source of the money.