SWIFT Code NOVRCHBS115 — NOVARTIS AG, CHAM

About SWIFT Code NOVRCHBS115 — NOVARTIS AG, CHAM

SWIFT code NOVRCHBS115 is the official 11-character branch-specific BIC (Bank Identifier Code) for NOVARTIS AG in CHAM, Switzerland. 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 NOVARTIS AG for all outward international remittances from CHAM. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code NOVRCHBS115

The code NOVRCHBS115 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code NOVRCHBS115

Receiving International Wire Transfers

To receive money from abroad at your NOVARTIS AG account in CHAM, share SWIFT code NOVRCHBS115 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 NOVARTIS AG, CHAM must provide SWIFT code NOVRCHBS115. 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 NOVARTIS AG in CHAM rely on SWIFT code NOVRCHBS115 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 NOVARTIS AG →

For cheque clearing or NACH mandates, use the MICR code for NOVARTIS AG →

For TDS challan deposits, find the BSR code for NOVARTIS AG →

How SWIFT Code NOVRCHBS115 Routes an International Transfer

1. Initiation: The sender provides SWIFT code NOVRCHBS115 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 NOVARTIS AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: NOVARTIS AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code NOVRCHBS115

• Spaces or lowercase letters — Always enter NOVRCHBS115 uppercase with no spaces.
• Using the wrong city — This code is for CHAM 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 Switzerland.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm NOVRCHBS115 directly with NOVARTIS AG's CHAM branch or via the SWIFT BIC Directory.