Preparing to send an international transfer to Portugal's Crédito Agrícola but unsure about the correct SWIFT code? While cross-border payments may seem straightforward, they often contain hidden complexities. An incorrect SWIFT code can lead to delayed transactions or, in worst-case scenarios, lost funds. This guide provides detailed information about Crédito Agrícola's SWIFT codes to help ensure secure and efficient international transfers.
Crédito Agrícola SWIFT Code Overview
The primary SWIFT/BIC code for Crédito Agrícola is CCCMPTPLXXX . This code applies to most international transfer operations. However, like many large financial institutions, Crédito Agrícola may use different SWIFT codes for specific services or branches. Always verify the recipient's provided SWIFT code or contact the bank directly before initiating a transfer to ensure funds reach their intended destination.
Key Information:
Bank Name: CAIXA CENTRAL CREDITO AGRICOLA MUTUO
SWIFT Code: CCCMPTPLXXX
Bank Address: RUA CASTILHO 233-233A
City: LISBON
Country: PORTUGAL
When to Use the Primary SWIFT Code CCCMPTPLXXX
You can safely use Crédito Agrícola's primary SWIFT code in these situations:
- International transfers to Crédito Agrícola: The most common scenario. Use this code when the recipient's account belongs to Crédito Agrícola and no specific branch code is provided.
- Recipient hasn't specified a branch code: If only the bank name and account number are available, the primary SWIFT code may work. However, verification with the recipient or bank is recommended.
- Centralized payment processing: Some banks route international payments through their headquarters, making the primary code sufficient.
- Default code for testing purposes: When a widely accepted SWIFT code is needed for preliminary setup or testing.
Avoiding SWIFT Code Errors
Incorrect SWIFT codes remain a leading cause of failed or delayed transfers. These precautions can help prevent such issues:
- Verify with the recipient: Obtain complete banking details including the exact SWIFT code and confirm them with the recipient.
- Contact the bank: Crédito Agrícola's customer service can validate SWIFT code accuracy if any doubts exist.
- Use verification tools: Various online tools can check SWIFT code formatting and validity.
- Note branch-specific codes: Some branches maintain unique SWIFT codes. Always prioritize these over the primary code when provided.
Crédito Agrícola's Portuguese Branch Network
While CCCMPTPLXXX serves most needs, understanding the bank's branch structure proves valuable. Specific branch information, including possible alternative SWIFT codes, can be obtained through Crédito Agrícola's official channels. For transfers destined for particular branches, confirming that location's specific SWIFT code is advisable.
Conclusion
Accurate SWIFT codes form the foundation of successful international banking. For Crédito Agrícola, CCCMPTPLXXX serves as the primary identifier, though verification with recipients or the bank remains the gold standard for transaction security. This information aims to facilitate confident and correct use of Crédito Agrícola's international banking codes.