SWIFT Code ZAEXCD31 — BANQUE ZAIROISE DU COMMERCE EXTERIEUR, LUBUMBASHI

About SWIFT Code ZAEXCD31 — BANQUE ZAIROISE DU COMMERCE EXTERIEUR, LUBUMBASHI

SWIFT code ZAEXCD31 is the official 8-character head-office BIC (Bank Identifier Code) for BANQUE ZAIROISE DU COMMERCE EXTERIEUR in LUBUMBASHI, Congo, Democratic Republic. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by BANQUE ZAIROISE DU COMMERCE EXTERIEUR for all outward international remittances from LUBUMBASHI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code ZAEXCD31

The code ZAEXCD31 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code ZAEXCD31

Receiving International Wire Transfers

To receive money from abroad at your BANQUE ZAIROISE DU COMMERCE EXTERIEUR account in LUBUMBASHI, share SWIFT code ZAEXCD31 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at BANQUE ZAIROISE DU COMMERCE EXTERIEUR, LUBUMBASHI must provide SWIFT code ZAEXCD31. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using BANQUE ZAIROISE DU COMMERCE EXTERIEUR in LUBUMBASHI rely on SWIFT code ZAEXCD31 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for BANQUE ZAIROISE DU COMMERCE EXTERIEUR →

For cheque clearing or NACH mandates, use the MICR code for BANQUE ZAIROISE DU COMMERCE EXTERIEUR →

For TDS challan deposits, find the BSR code for BANQUE ZAIROISE DU COMMERCE EXTERIEUR →

How SWIFT Code ZAEXCD31 Routes an International Transfer

1. Initiation: The sender provides SWIFT code ZAEXCD31 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to BANQUE ZAIROISE DU COMMERCE EXTERIEUR.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: BANQUE ZAIROISE DU COMMERCE EXTERIEUR receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code ZAEXCD31

• Spaces or lowercase letters — Always enter ZAEXCD31 uppercase with no spaces.
• Using the wrong city — This code is for LUBUMBASHI only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Congo, Democratic Republic.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm ZAEXCD31 directly with BANQUE ZAIROISE DU COMMERCE EXTERIEUR's LUBUMBASHI branch or via the SWIFT BIC Directory.