SWIFT Code AARFECE1 — CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA, ESPINDOLA

About SWIFT Code AARFECE1 — CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA, ESPINDOLA

SWIFT code AARFECE1 is the official 8-character head-office BIC (Bank Identifier Code) for CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA in ESPINDOLA, Ecuador. 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 CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA for all outward international remittances from ESPINDOLA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code AARFECE1

The code AARFECE1 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code AARFECE1

Receiving International Wire Transfers

To receive money from abroad at your CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA account in ESPINDOLA, share SWIFT code AARFECE1 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 CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA, ESPINDOLA must provide SWIFT code AARFECE1. 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 CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA in ESPINDOLA rely on SWIFT code AARFECE1 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 CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA →

For cheque clearing or NACH mandates, use the MICR code for CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA →

For TDS challan deposits, find the BSR code for CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA →

How SWIFT Code AARFECE1 Routes an International Transfer

1. Initiation: The sender provides SWIFT code AARFECE1 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 CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code AARFECE1

• Spaces or lowercase letters — Always enter AARFECE1 uppercase with no spaces.
• Using the wrong city — This code is for ESPINDOLA 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 Ecuador.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm AARFECE1 directly with CAJA DE AHORRO Y CREDITO FRANCISCA CHIGUA's ESPINDOLA branch or via the SWIFT BIC Directory.