SWIFT Code for CREDICAL in New Caledonia
CCTCNCN1XXX
The primary BIC/SWIFT code for CREDICAL in New Caledonia is CCTCNCN1XXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | CREDICAL |
| Bank Address | IMMEUBLE SGCB, 6 RUE JEAN CHALIER, PK4, NOUMEA, SOUTH PROVINCE, 98845 |
| City | NOUMEA |
| Postcode | 98845 |
| Country | |
| Bank Code | CCTC |
| Country Code | NC |
| Location Code | N1 |
| Branch Code | XXX |
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Sending Money to CREDICAL in NOUMEA
Follow these three steps to ensure your international wire transfer reaches the correct account at the NOUMEA 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 New Caledonia, IBANs typically start with the prefix NC.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter CCTCNCN1XXX. This unique 11-character identifier ensures the funds are routed specifically to the CREDICAL systems in NOUMEA.
- 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 New Caledonia 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 CCTCNCN1XXX the correct code for all CREDICAL branches?
No. While many banks use a "Head Office" code ending in XXX, the code CCTCNCN1XXX is specifically assigned to the NOUMEA 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 New Caledonia?
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 CREDICAL usually take?
International transfers to CREDICAL using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and New Caledonia.
- Local public holidays in New Caledonia.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the NOUMEA branch?
Most banks in New Caledonia charge an "Incoming Wire Fee" for international transfers. For CREDICAL, 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 CREDICAL, 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 CREDICAL SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at CREDICAL, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code CCTCNCN1XXX acts as a digital address for the NOUMEA branch. Without it, the sending bank won’t know which specific institution in New Caledonia 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 CCTCNCN1XXX 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 CCTCNCN1XXX is still recommended as a backup to ensure the transfer is routed instantly to the NOUMEA branch.
- Domestic Transfers: If you are sending money from another bank inside New Caledonia, 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 CREDICAL, using the specific branch code CCTCNCN1XXX instead of the generic head office code ensures the money hits the correct local ledger in NOUMEA without manual intervention.
SWIFT Codes for main New Caledonia banks
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