SWIFT Code HCONGHA1 — BANK FOR HOUSING AND CONSTRUCTION, ACCRA

About SWIFT Code HCONGHA1 — BANK FOR HOUSING AND CONSTRUCTION, ACCRA

SWIFT code HCONGHA1 is the official 8-character head-office BIC (Bank Identifier Code) for BANK FOR HOUSING AND CONSTRUCTION in ACCRA, Ghana. 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 BANK FOR HOUSING AND CONSTRUCTION for all outward international remittances from ACCRA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HCONGHA1

The code HCONGHA1 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code HCONGHA1

Receiving International Wire Transfers

To receive money from abroad at your BANK FOR HOUSING AND CONSTRUCTION account in ACCRA, share SWIFT code HCONGHA1 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 BANK FOR HOUSING AND CONSTRUCTION, ACCRA must provide SWIFT code HCONGHA1. 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 BANK FOR HOUSING AND CONSTRUCTION in ACCRA rely on SWIFT code HCONGHA1 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 BANK FOR HOUSING AND CONSTRUCTION →

For cheque clearing or NACH mandates, use the MICR code for BANK FOR HOUSING AND CONSTRUCTION →

For TDS challan deposits, find the BSR code for BANK FOR HOUSING AND CONSTRUCTION →

How SWIFT Code HCONGHA1 Routes an International Transfer

1. Initiation: The sender provides SWIFT code HCONGHA1 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 BANK FOR HOUSING AND CONSTRUCTION.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: BANK FOR HOUSING AND CONSTRUCTION receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HCONGHA1

• Spaces or lowercase letters — Always enter HCONGHA1 uppercase with no spaces.
• Using the wrong city — This code is for ACCRA 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 Ghana.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm HCONGHA1 directly with BANK FOR HOUSING AND CONSTRUCTION's ACCRA branch or via the SWIFT BIC Directory.