Banco Nacional de Credito, C.a. SWIFT/BIC code

What NCRTVECA means for a payment to Banco Nacional de Credito, C.a.

Whether a recipient gives you NCRTVECA or NCRTVECAXXX, it is the same identifier for Banco Nacional de Credito, C.a. in Venezuela. A SWIFT code shows the sending bank which institution should receive the money, much like a postcode for banks. You will need it mainly for transfers between countries or a currency.

We wrote this page to help anyone who sends money to an account at Banco Nacional de Credito, C.a. and wants to get the details right. The SWIFT code alone does not identify an individual account holder; that is what the IBAN or account number is for.

Verifying the SWIFT code of Banco Nacional de Credito, C.a.

Ask the recipient to send you the account details straight from their online banking. If the code you have differs from NCRTVECA or NCRTVECAXXX, stop and ask.

With a wrong code, the transfer may be delayed, bounce back or cost extra, and tracing it can take weeks. An error in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A validity check in your banking app only confirms that the code exists. Some banks now check the name against the account before you confirm. Sending a small amount first can be worth it for a large first payment despite the extra fee.

What the XXX in NCRTVECAXXX means

The layout of a BIC never changes: four characters for the institution, two for the country and two for the location. The result is NCRTVECA.

Many banks and apps work with both lengths. If yours asks for eleven characters, enter NCRTVECAXXX.

Leave out spaces when you enter NCRTVECA. Pasting the code is safer than retyping it.

Watch out for payment fraud

Scammers often send payment requests with changed bank details sent from what looks like a familiar address. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed payment details via a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also target the receiver. Someone claims to have sent more than agreed and wants you to refund the difference via a different route. A screenshot of a transfer is no proof – check your own account.

Incoming international payments to Banco Nacional de Credito, C.a.

If you expect money from abroad, give the sender everything they need in one go. Give them the account holder’s name, the IBAN or account number, SWIFT code NCRTVECAXXX and your address, which some banks require.

Their bank may request the bank address of Banco Nacional de Credito, C.a.; the head office in Caracas is usually fine. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always arrive in full. Fees for incoming transfers differ from bank to bank – the price list of Banco Nacional de Credito, C.a. tells you what applies. For business payments, it is common to state how the fees are split, so that nobody is left short.

Paying someone abroad from your Banco Nacional de Credito, C.a. account

What you pay for a payment abroad is made up of several parts. On top of a fixed fee, banks in between may deduct a fee, and if currencies are converted, the bank often uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest item. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate. GoldexPay compares the amount that arrives with different providers. You can still keep your account at Banco Nacional de Credito, C.a. as the source of the money; only the conversion and sending happen elsewhere.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from publicly available data and update them regularly. Institutions merge, change names and retire codes – a directory can be a step behind. The figures on this page reflect what is in our directory.

For any payment of any size, check the BIC with Banco Nacional de Credito, C.a. or with the recipient. GoldexPay is not affiliated with Banco Nacional de Credito, C.a., we only compare transfer services. Should you notice something that is out of date, we appreciate a message.

Tracking a transfer to or from Banco Nacional de Credito, C.a.

There is no fixed delivery time for every transfer: some arrive within a day. Bank holidays in the sending or receiving country can add a day or more to the journey. Occasionally a bank asks about the purpose of a payment before releasing it.

If the money is late, ask the sending bank for the tracking status so they can trace it along the chain. Save the payment confirmation – you will need it for any trace request.

If a payment has not arrived within the expected time, the sender should contact the bank that sent it, not the receiving bank. As a recipient, it helps to check your statements to see a partial amount, since fees may have been deducted.

Which of the 2 codes of Banco Nacional de Credito, C.a. do you need?

Banco Nacional de Credito, C.a. has 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code, NCRTVECAXXX; the others belong to branches or departments, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code NCRTVECAXXX works fine. When you receive a specific code, use it as it is instead of replacing it for the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more likely to change than NCRTVECAXXX when a bank merges or closes offices.