Guide to Finding SWIFT Codes for Tunisian Banks

In today's globalized economy, international money transfers have become an essential part of daily life. Whether for work-related reasons or family support, more people than ever need to send funds across borders. In this process, SWIFT codes play a critical role in ensuring that money reaches its destination safely and accurately. This article explores how to quickly locate the SWIFT codes for Societe Tunisienne De Banque (STB) branches and highlights key considerations for international transactions.

Understanding SWIFT Codes

SWIFT, which stands for the Society for Worldwide Interbank Financial Telecommunication, is a global financial messaging network. A SWIFT code—also known as a BIC (Bank Identifier Code)—is a unique 8 to 11-character identifier assigned to financial institutions participating in the SWIFT network. The structure typically includes:

• Bank code (4 letters)
• Country code (2 letters)
• Location code (2 letters or digits)
• Optional branch code (3 letters or digits)

SWIFT codes enable banks to process cross-border payments efficiently, ensuring funds are routed to the correct recipient. This system is indispensable for businesses engaged in international trade, expatriates supporting families abroad, and professionals managing corporate finances across multiple countries.

Why SWIFT Codes Matter

Without a SWIFT code, international transfers can become unreliable and error-prone. Incorrect banking details may result in delays, misdirected funds, or rejected transactions. Financial institutions such as Credit Suisse or the European Central Bank rely on precise information to execute transfers seamlessly.

SWIFT codes enhance transparency and security in cross-border transactions. Both individuals and businesses must verify the correct codes before initiating transfers to avoid complications.

How to Locate Societe Tunisienne De Banque's SWIFT Code

Customers sending funds internationally must ensure they have the correct SWIFT code for their recipient's bank. For Societe Tunisienne De Banque (STB), here are several ways to find the necessary code:

1. Official Website: Visit STB's website and navigate to customer service or contact information sections, where SWIFT codes are often listed.
2. Bank Statements: Check account documents or bank statements, which typically display the SWIFT code.
3. Customer Service: Contact STB's support team via phone to confirm the latest SWIFT code details.
4. Online Search Tools: Use dedicated SWIFT code lookup platforms by entering the bank name and location.

Key STB Branches and Their SWIFT Codes

Below is a list of major Societe Tunisienne De Banque branches in Tunisia along with their corresponding SWIFT codes:

If a specific branch is not listed, customers may use the head office SWIFT code (STBKTNTT000) for international transfers, as funds will be routed through STB's central system to the intended account.

Important Considerations for International Transfers

When initiating a SWIFT transfer, keep the following in mind to ensure a smooth transaction:

• Verify Details: Double-check the recipient's bank name, SWIFT code, and account number to prevent errors.
• Transaction Fees: Inquire about transfer fees, which vary depending on the amount and payment method.
• Processing Time: International transfers may take between a few hours to several days. Maintain communication with the recipient for updates.
• Transfer Limits: Confirm whether the bank imposes limits on international transactions.
• Record Keeping: Save transaction receipts and reference numbers for future verification if needed.

Conclusion

SWIFT codes are fundamental to secure and efficient international money transfers. Societe Tunisienne De Banque's SWIFT codes facilitate seamless cross-border transactions for individuals and businesses alike. By verifying banking details and adhering to best practices, customers can ensure their funds reach the intended destination without delays or errors.