SWIFT Code for CIBC CARIBBEAN BANK (BARBADOS) LIMITED in Antigua and Barbuda
FCIBAGAGXXX
The primary BIC/SWIFT code for CIBC CARIBBEAN BANK (BARBADOS) LIMITED in Antigua and Barbuda is FCIBAGAGXXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | CIBC CARIBBEAN BANK (BARBADOS) LIMITED |
| Bank Address | HIGH STREET, ST. JOHN'S, SAINT JOHN |
| City | ST. JOHN'S |
| Country | |
| Bank Code | FCIB |
| Country Code | AG |
| Location Code | AG |
| Branch Code | XXX |
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Sending Money to CIBC CARIBBEAN BANK (BARBADOS) LIMITED in ST. JOHN'S
Follow these three steps to ensure your international wire transfer reaches the correct account at the ST. JOHN'S branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Antigua and Barbuda, IBANs typically start with the prefix AG.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter FCIBAGAGXXX. This unique 11-character identifier ensures the funds are routed specifically to the CIBC CARIBBEAN BANK (BARBADOS) LIMITED systems in ST. JOHN'S.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Antigua and Barbuda transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Is FCIBAGAGXXX the correct code for all CIBC CARIBBEAN BANK (BARBADOS) LIMITED branches?
No. While many banks use a "Head Office" code ending in XXX, the code FCIBAGAGXXX is specifically assigned to the ST. JOHN'S location. Using this specific 11-character code helps the bank’s automated systems credit the recipient’s account faster than using a generic national code.
Can I use this code for a SEPA transfer to Antigua and Barbuda?
Yes. If you are sending Euro-denominated funds from another SEPA-member country, you can use this BIC/SWIFT code alongside the recipient’s IBAN. However, most modern European banks only require the IBAN to route SEPA payments automatically.
How long does a transfer to CIBC CARIBBEAN BANK (BARBADOS) LIMITED usually take?
International transfers to CIBC CARIBBEAN BANK (BARBADOS) LIMITED using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and Antigua and Barbuda.
- Local public holidays in Antigua and Barbuda.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the ST. JOHN'S branch?
Most banks in Antigua and Barbuda charge an "Incoming Wire Fee" for international transfers. For CIBC CARIBBEAN BANK (BARBADOS) LIMITED, these fees vary based on the account type but typically range from a small flat fee to a percentage of the total. It is recommended to send funds using the "OUR" instruction if you want the recipient to receive the exact amount sent.
What happens if I use the wrong SWIFT code?
If you use a code for a different branch of CIBC CARIBBEAN BANK (BARBADOS) LIMITED, the money will usually still arrive but may be delayed by 24–48 hours as it is manually rerouted. If you enter a completely incorrect code, the funds will likely be returned to your account within 5–10 business days, minus any processing fees.
Do I need a CIBC CARIBBEAN BANK (BARBADOS) LIMITED SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at CIBC CARIBBEAN BANK (BARBADOS) LIMITED, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code FCIBAGAGXXX acts as a digital address for the ST. JOHN'S branch. Without it, the sending bank won’t know which specific institution in Antigua and Barbuda should receive the funds, which often leads to the transfer being rejected or stuck in "limbo". However, the requirements change slightly depending on where the money is coming from:
- Transfers from outside the EU/EEA (e.g., USA, Canada, India): A SWIFT code is mandatory. You must provide FCIBAGAGXXX along with the recipient’s name and IBAN.
- Transfers from within Europe (SEPA): If the sender is in a SEPA-member country, many modern banks only require the IBAN. However, providing the SWIFT code FCIBAGAGXXX is still recommended as a backup to ensure the transfer is routed instantly to the ST. JOHN'S branch.
- Domestic Transfers: If you are sending money from another bank inside Antigua and Barbuda, you typically do not need a SWIFT code; a local account number or IBAN is sufficient.
Pro Tip: Always double-check the 8th and 11th characters. For CIBC CARIBBEAN BANK (BARBADOS) LIMITED, using the specific branch code FCIBAGAGXXX instead of the generic head office code ensures the money hits the correct local ledger in ST. JOHN'S without manual intervention.
SWIFT Codes for main Antigua and Barbuda banks
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