Epay Systems Limited Liability Com SWIFT/BIC code

Epay Systems Limited Liability Com SWIFT code: ESLOVIV1

The 8-character code ESLOVIV1 and the full code ESLOVIV1XXX identify the same bank: Epay Systems Limited Liability Com, with its head office in Christiansted. Banks worldwide use BIC codes to direct payments between countries to the correct bank. You will need it mostly for payments that cross a border.

Further down you will find the practical questions: receiving money at Epay Systems Limited Liability Com, sending money abroad and how to check the code before you hit send. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

Protect yourself against fake payment requests

Be wary when someone unexpectedly wants you to pay into another account or a bank in another country. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Check new bank details through a different channel. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Call your bank straight away and ask them to try to recall the payment.

Scams also target the receiver. Someone claims to have sent too much and asks you to return the extra via a different route. Do not act before the money is actually in your account.

ESLOVIV1 or ESLOVIV1XXX – which one to use?

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. In this case, the 8-character core is ESLOVIV1.

The 11-character version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so ESLOVIV1XXX and ESLOVIV1 are interchangeable.

Type the code as one block, in upper case and without separators. Pasting the code is safer than typing it by hand, because one wrong letter changes the bank.

Head office or branch code at Epay Systems Limited Liability Com?

Epay Systems Limited Liability Com uses 3 separate SWIFT/BIC codes. Only one is the head office code, ESLOVIV1XXX; the rest belong to branches, and sometimes internal departments.

In most cases you do not need to look up a branch: payments addressed to ESLOVIV1XXX are routed within Epay Systems Limited Liability Com correctly. Just use a branch code when the account holder gives you that exact code.

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

The US Dollar and what conversion costs you

U.S. Virgin Islands pays in the US Dollar (USD). Money sent in a different currency will be converted into USD before it reaches the account – and the bank that does it picks the rate. Each conversion eats into something – usually through the rate rather than a fee.

Where the conversion happens affects the final amount. In many cases you pay less if you send USD straight away via a provider with a good rate rather than letting the receiving bank convert.

Exchange rates move all the time. With bigger transfers, a small gap in the rate can be worth more than the fee.

What to give a sender who pays you at Epay Systems Limited Liability Com

For a transfer from abroad at Epay Systems Limited Liability Com, the person paying you needs not just the BIC. Give them the account holder’s name, the IBAN or account number, SWIFT code ESLOVIV1XXX and your address.

The sender’s bank might request the address of your bank, in which case the Christiansted head office is the usual answer. A mistake in your account number is harder to fix than you might think, so copy the details from your online banking.

An incoming payment will not always land in full. Correspondent banks can take a fee, Epay Systems Limited Liability Com may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. On invoices, it is common to agree how the fees are split, so that nobody is left short.

Transfer times and tracking a payment to Epay Systems Limited Liability Com

There is no single delivery time: some arrive within a day. Transfers sent late in the day or on weekends and holidays often start a business day later. Extra checks on larger or unusual payments may also add a delay, regardless of the details.

If the money is delayed, ask the sending bank for the status. Save your transfer receipt.

The bank that sent the money can start an official trace or a recall. Ask the sender for the payment receipt.

How to check ESLOVIV1 before you pay

Ask the recipient to send you their bank details directly from a recent statement. When the code you were given differs from ESLOVIV1 or ESLOVIV1XXX, do not guess – contact the recipient or Epay Systems Limited Liability Com.

Mistakes in the BIC are costly more than fatal. Remember the account number: an error there is harder to undo than a wrong code.

A format check in your banking app merely tells you that the code exists. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is worth it for a large first payment.

Where our SWIFT data comes from

The details on this page are taken from public sources. Still, banks merge, rename themselves or change codes, so information can be out of date. The number of codes on this page are based on our own data, not official figures from Epay Systems Limited Liability Com.

Treat this page as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is independent of Epay Systems Limited Liability Com, we only compare transfer services. Found an error? Tell us through the contact page and we will look into it.

Paying someone abroad from your Epay Systems Limited Liability Com account

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. On top of the transfer fee, banks in between can deduct a fee, and when the money changes currency the bank often uses a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. A simple test: put the rate you get against the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. GoldexPay compares what recipients receive with different services, so you can pick the cheapest route. Using a transfer service does not require closing your account at Epay Systems Limited Liability Com.