SWIFT Code CARJECE1 — COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO, LOJA

About SWIFT Code CARJECE1 — COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO, LOJA

SWIFT code CARJECE1 is the official 8-character head-office BIC (Bank Identifier Code) for COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO in LOJA, 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 COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO for all outward international remittances from LOJA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code CARJECE1

The code CARJECE1 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code CARJECE1

Receiving International Wire Transfers

To receive money from abroad at your COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO account in LOJA, share SWIFT code CARJECE1 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 COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO, LOJA must provide SWIFT code CARJECE1. 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 COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO in LOJA rely on SWIFT code CARJECE1 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 COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO →

For cheque clearing or NACH mandates, use the MICR code for COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO →

For TDS challan deposits, find the BSR code for COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO →

How SWIFT Code CARJECE1 Routes an International Transfer

1. Initiation: The sender provides SWIFT code CARJECE1 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 COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code CARJECE1

• Spaces or lowercase letters — Always enter CARJECE1 uppercase with no spaces.
• Using the wrong city — This code is for LOJA 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 CARJECE1 directly with COOPERATIVA DE AHORRO Y CREDITO JOSE-AIRO's LOJA branch or via the SWIFT BIC Directory.