swift/bic bankia

    The BIC (Bank Identifier Code) or SWIFT code is the international bank identifier code. It is used worldwide. It consists of 8 or 11 characters (4 indicating the bank code, 2 the country, 2 the locality and 3 the branch code). This code is necessary to be able to issue and receive messages such as transfers, import and export remittances, documentary credits, guarantees, etc.
    SWIFT (The Society for Worldwide Interbank Financial Telecommunications) was founded in 1973 in Brussels, supported by 239 banks from 15 countries, with the aim of creating a system for the transmission of secure messages on international financial transactions. The Society currently comprises 7,600 financial institutions with an average daily volume of 10 million messages.

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    If, on the other hand, you wish to make a payment or transfer outside the European Union, also within the range of an international transfer, the information provided by the IBAN code is not sufficient. It is also necessary to notify the BIC code of the recipient institution.
    Saving in the medium and long term requires discipline and a systematic approach to achieve the objective set, which is a symptom of good financial health. Making regular contributions to an investment vehicle -such as a mutual fund or pension plan- is one of the best tools for achieving savings goals.
    However, the main reason why SWIFT is often known is because it is an international code that provides its partners with an encrypted messaging service that enables international fund transfers. SWIFT determines the bank codes that are necessary to make or receive an international transfer.
    The BIC (Bank Identifier Code) or SWIFT code is used to identify the beneficiary bank of a transfer (or destination bank). It is an international alphanumeric code that can consist of 8 or 11 characters:

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    The IBAN code (International Bank Account Number) comprises the digits that identify a bank account and the institution to which it is associated, regardless of where it is located. It is required to make money transfers or withdrawals in the SEPA (Euro Payments Area) zone.
    Although this code is essential for sending payments to other banks, La Caixa warns that it is not necessary to report it in the collection and payment files. The entity is in charge of recalculating it by taking the IBAN of the account.

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    The IBAN code (International Bank Account Number) comprises the digits that identify a bank account and the institution to which it is associated, regardless of where it is located. It is required to make money transfers or withdrawals in the SEPA (Euro Payments Area) zone.
    Although this code is essential for sending payments to other banks, La Caixa warns that it is not necessary to report it in the collection and payment files. The entity is in charge of recalculating it by taking the IBAN of the account.

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