Zurich American Insurance Company SWIFT/BIC code

SWIFT/BIC code of Zurich American Insurance Company

Whether you are given ZURIUS44 or ZURIUS44XXX, you are looking at the identical address for Zurich American Insurance Company in United States. The code has a single purpose: it makes sure that a cross-border transfer reaches the right bank. In daily life you mostly come across it on international invoices, in payment forms and on the account details that Zurich American Insurance Company provides.

This page is meant to help anyone who pays into an account at Zurich American Insurance Company. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

Watch out for payment fraud

Criminals often send payment requests with new bank details. That ZURIUS44 is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Always confirm a change of bank details by phone. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Call the bank you paid from straight away and have them start a recall and report the fraud.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. Do not act before the money is actually in your account and check with Zurich American Insurance Company if anything seems off.

Zurich American Insurance Company: head office code versus branch codes

Our directory lists 3 SWIFT/BIC codes for Zurich American Insurance Company, spread over 1 locations. Next to the head office code ZURIUS44XXX, there are codes for regional offices and specialised units.

For the vast majority of incoming transfers, the head office code ZURIUS44XXX is what you need. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

Unsure which code applies? Check with the recipient or the bank itself. Branch codes can change over time, so a code from an old document is not always valid.

Paying into Zurich American Insurance Company in USD

The local currency of United States is the US Dollar (USD). When you pay money in a different currency it has to be converted somewhere along the way. You rarely see a separate line for the conversion – the cost sits in the rate.

Who converts the money makes a difference, because each party uses its own rate. Transferring the amount already in USD usually prevents a second conversion.

Rates for USD change all the time. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

Is ZURIUS44 still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. If the code you have does not match ZURIUS44 or ZURIUS44XXX, do not guess.

Mistakes in the SWIFT code are annoying more than fatal: often the payment comes back, minus fees. Do not forget the IBAN: an error there can be more difficult to correct than a wrong BIC.

A validity check by your bank only tells you that the code is valid. Some banks now check the payee name with the account. For a first payment, some people start with a small amount first.

How up to date is this code?

Our SWIFT/BIC directory is compiled from public sources. Banks reorganise, change names and retire codes – a directory can be a step behind. Counts and locations come from our own dataset and may differ from what Zurich American Insurance Company publishes.

See the information on this page as a helpful check, and let the details from the recipient or Zurich American Insurance Company have the final say. GoldexPay is not affiliated with Zurich American Insurance Company, we only compare transfer services. Found an error? Tell us via our contact form and we will look into it.

Transfer times and tracking a payment to Zurich American Insurance Company

How quickly a transfer reaches Zurich American Insurance Company is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made after the cut-off time or just before a weekend or public holiday often go out the next business day. Compliance checks on larger or unusual payments may also add some delay.

When a payment takes longer than expected, ask your bank for the status and the transaction reference; with that reference banks can see where the payment is. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace or a recall. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

What a transfer from Zurich American Insurance Company abroad really costs

If you send money abroad via Zurich American Insurance Company, the visible fee is rarely all of the cost. On top of the transfer fee, banks in between may take a cut, and if the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

The markup on the rate tends to be the biggest cost, and it is easy to miss. A simple test: put the bank’s rate against the mid-market rate and look at the difference.

For a lot of routes, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. Next time you send money, take a minute comparing the total cost on GoldexPay instead of going straight to your bank. Using a transfer service does not mean closing your account at Zurich American Insurance Company – you pay the provider from your own account.

Why Zurich American Insurance Company has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, the next two give the country and characters seven and eight mark the location. Combined, these eight characters form ZURIUS44 – the version you usually see online.

Many banks and apps accept either length. If a form asks for eleven characters, use ZURIUS44XXX.

Enter the code in one piece, in upper case and without spaces. Look out for O versus 0 or I versus 1.

What to give a sender who pays you at Zurich American Insurance Company

A sender in another country needs a few details about your account, and missing ones are a common cause of delays. That means: your full name as registered with Zurich American Insurance Company, your account number or IBAN, the SWIFT/BIC code ZURIUS44XXX (or ZURIUS44) and, often, your address.

It helps to add Zurich American Insurance Company and its city as well, since some forms ask for it. Check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. For business payments, it is common to state how the fees are split.