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