The SWIFT code for MIGROS BANK is MIGRCHZZ69A
While the main MIGROS BANK SWIFT code (ending in XXX) can be used for general transfers, using the branch-specific code MIGRCHZZ69A ensures your funds are routed directly to the LUGANO clearing system. This reduces manual processing at the head office and can speed up your transfer by up to 24 hours.
| Bank Name | MIGROS BANK |
| Bank Address | VIA PRETORIO 7A, LUGANO, TICINO, 6901 |
| City | LUGANO |
| Postcode | 6901 |
| Country | 🇨🇠Switzerland |
| Bank Code | MIGR |
| Country Code | CH |
| Location Code | ZZ |
| Branch Code | 69A |
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Sending money to family or friends shouldn’t be stressful. Understanding the fees and delivery times helps you feel confident about your transfer. At Remitly, we make the process simple, affordable, and secure. You’ll know the total cost and delivery time before completing your transfer. Choose a payment method that suits you, whether it’s a debit or credit card.
Get started nowSending Money to MIGROS BANK in LUGANO
Follow these three steps to ensure your international wire transfer reaches the correct account at the LUGANO 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 Switzerland, IBANs typically start with the prefix CH.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter MIGRCHZZ69A. This unique 11-character identifier ensures the funds are routed specifically to the MIGROS BANK systems in LUGANO.
- 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 Switzerland 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
Should I use this specific code or the MIGROS BANK head office code?
While the MIGROS BANK head office code (ending in XXX) is often accepted, using MIGRCHZZ69A is the best way to ensure your money reaches the LUGANO branch directly. By using the branch-specific code, you bypass the central sorting queue at the head office, which can often speed up the processing of your international transfer by a full business day.
Can I receive international payments at the branch in LUGANO?
Yes, the office in LUGANO is fully equipped to receive international wire transfers via the SWIFT network. To ensure the funds are credited correctly, you must provide the sender with the SWIFT/BIC code MIGRCHZZ69A and your full IBAN associated with your account at this location.
What is the correct address for a wire transfer to LUGANO?
When you are asked for the "Beneficiary Bank Address" on a wire transfer form, you should provide the specific physical location in LUGANO to ensure a smooth verification process:
MIGROS BANK
VIA PRETORIO 7A, LUGANO, TICINO, 6901, 6901, LUGANO, Switzerland
How long does it take for money to arrive at this Switzerland location?
Typically, an international transfer to the branch in LUGANO takes between 1 and 3 business days. To avoid delays, ensure the sender uses the specific code MIGRCHZZ69A. Transfers initiated on weekends or during local public holidays in Switzerland may take slightly longer to reflect in your account.
What happens if I use the SWIFT code for the wrong branch?
If you accidentally use a code for a different MIGROS BANK location instead of the one in LUGANO, your money is rarely lost. Instead, the bank will usually perform a "manual repair" to route the funds to the correct account based on your IBAN. However, this manual intervention often incurs a small additional fee and can delay the deposit by 24 to 48 hours.
Is this the same as the IBAN for my account in LUGANO?
No. The SWIFT code MIGRCHZZ69A identifies the MIGROS BANK branch in LUGANO, whereas your IBAN identifies your specific, individual bank account. For a successful international transfer, you must provide both pieces of information to the sender.
SWIFT Codes for main Switzerland banks
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