Crdito Agrcola Simplifies SWIFT Codes for Global Transfers

Published: 09/01/2025
SWIFT Code International Money Transfer Portuguese Bank
This article provides a guide to using the SWIFT code for Crédito Agrícola, a Portuguese bank. It highlights the primary SWIFT code, CCCMPTPLXXX, and explains its common usage. However, to ensure accurate and efficient international money transfers, it is recommended to obtain the specific SWIFT code of the recipient's branch whenever possible. Alternatively, providing detailed recipient information can also help facilitate the transfer process. Using the correct SWIFT code or providing sufficient details is crucial for successful international transactions with Crédito Agrícola.
Crdito Agrcola Simplifies SWIFT Codes for Global Transfers

When making cross-border payments, locating the correct bank identification code (SWIFT/BIC) can often prove challenging. This becomes particularly crucial when the recipient bank operates multiple branches across different regions. This guide focuses on Portugal's Crédito Agrícola bank, providing clear and practical information about SWIFT codes to facilitate efficient international money transfers.

Primary SWIFT/BIC Code for Crédito Agrícola

The primary SWIFT/BIC code for Crédito Agrícola is CCCMPTPLXXX . This code directs transfers to the bank's Lisbon headquarters at Rua Castilho 233-233A. However, like most large financial institutions, Crédito Agrícola may use different SWIFT/BIC codes depending on service types or specific branch locations. Before initiating any international transfer, always verify the accuracy of the provided SWIFT/BIC code with the recipient or directly with Crédito Agrícola.

When to Use the Primary SWIFT Code

The main code CCCMPTPLXXX applies in these common scenarios:

  • International transfers to Portugal: Use this code when sending money from abroad to any Crédito Agrícola account in Portugal.
  • Missing branch-specific code: When the recipient provides only the bank name without a specific branch SWIFT/BIC code, the primary code serves as a valid alternative.
  • Centralized payment processing: Many banks, including Crédito Agrícola, often process international payments through their main offices, making the primary code appropriate.
  • Default code requirement: Some financial systems may require a default SWIFT/BIC code, in which case CCCMPTPLXXX serves as the standard option.

Best Practices for International Transfers

While the primary code works in most cases, obtaining the recipient's specific branch SWIFT/BIC code remains the optimal approach. This ensures faster and more accurate fund routing. When branch-specific codes aren't available, include comprehensive recipient details such as full name, account number, and physical address to assist the bank in proper identification.

Note that SWIFT/BIC codes primarily facilitate international transfers. For domestic transactions within Portugal, the National Identification Number (NIB) or International Bank Account Number (IBAN) typically suffices.

Verifying SWIFT/BIC codes before initiating transfers prevents potential delays or refunds caused by incorrect routing information. Proper verification ensures secure and efficient delivery of funds to the intended destination.

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