SWIFT Code HFCAGHAC — HFC BANK (GHANA) LTD, ACCRA

About SWIFT Code HFCAGHAC — HFC BANK (GHANA) LTD, ACCRA

SWIFT code HFCAGHAC is the official 8-character head-office BIC (Bank Identifier Code) for HFC BANK (GHANA) LTD 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 HFC BANK (GHANA) LTD 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 HFCAGHAC

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

When to Use SWIFT Code HFCAGHAC

Receiving International Wire Transfers

To receive money from abroad at your HFC BANK (GHANA) LTD account in ACCRA, share SWIFT code HFCAGHAC 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 HFC BANK (GHANA) LTD, ACCRA must provide SWIFT code HFCAGHAC. 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 HFC BANK (GHANA) LTD in ACCRA rely on SWIFT code HFCAGHAC 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 HFC BANK (GHANA) LTD →

For cheque clearing or NACH mandates, use the MICR code for HFC BANK (GHANA) LTD →

For TDS challan deposits, find the BSR code for HFC BANK (GHANA) LTD →

How SWIFT Code HFCAGHAC Routes an International Transfer

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

Common Mistakes When Using SWIFT Code HFCAGHAC

• Spaces or lowercase letters — Always enter HFCAGHAC 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 HFCAGHAC directly with HFC BANK (GHANA) LTD's ACCRA branch or via the SWIFT BIC Directory.