SWIFT Code CPBKGB21ACU — CO-OPERATIVE BANK PLC., AYR

About SWIFT Code CPBKGB21ACU — CO-OPERATIVE BANK PLC., AYR

SWIFT code CPBKGB21ACU is the official 11-character branch-specific BIC (Bank Identifier Code) for CO-OPERATIVE BANK PLC. in AYR, United Kingdom. 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 CO-OPERATIVE BANK PLC. for all outward international remittances from AYR. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code CPBKGB21ACU

The code CPBKGB21ACU follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code CPBKGB21ACU

Receiving International Wire Transfers

To receive money from abroad at your CO-OPERATIVE BANK PLC. account in AYR, share SWIFT code CPBKGB21ACU 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 CO-OPERATIVE BANK PLC., AYR must provide SWIFT code CPBKGB21ACU. 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 CO-OPERATIVE BANK PLC. in AYR rely on SWIFT code CPBKGB21ACU 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 CO-OPERATIVE BANK PLC. →

For cheque clearing or NACH mandates, use the MICR code for CO-OPERATIVE BANK PLC. →

For TDS challan deposits, find the BSR code for CO-OPERATIVE BANK PLC. →

How SWIFT Code CPBKGB21ACU Routes an International Transfer

1. Initiation: The sender provides SWIFT code CPBKGB21ACU 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 CO-OPERATIVE BANK PLC..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CO-OPERATIVE BANK PLC. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code CPBKGB21ACU

• Spaces or lowercase letters — Always enter CPBKGB21ACU uppercase with no spaces.
• Using the wrong city — This code is for AYR 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 United Kingdom.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm CPBKGB21ACU directly with CO-OPERATIVE BANK PLC.'s AYR branch or via the SWIFT BIC Directory.