{"id":5374,"date":"2025-03-21T10:50:24","date_gmt":"2025-03-21T10:50:24","guid":{"rendered":"https:\/\/www.avafin.es\/?p=5374"},"modified":"2025-09-02T11:25:48","modified_gmt":"2025-09-02T09:25:48","slug":"swift-que-significa","status":"publish","type":"post","link":"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa","title":{"rendered":"Descobreix qu\u00e8 \u00e9s SWIFT i per qu\u00e8 importa a les teves transfer\u00e8ncies"},"content":{"rendered":"<p>Quan parlem de transfer\u00e8ncies internacionals, un dels termes que m\u00e9s apareix \u00e9s el fam\u00f3s <strong>codi SWIFT<\/strong>. Per\u00f2, swift qu\u00e8 vol dir realment? Aquest codi \u00e9s fonamental per garantir que els diners arribin correctament a la vostra destinaci\u00f3, sense errors ni confusions. A continuaci\u00f3, t&#039;expliquem en profunditat qu\u00e8 \u00e9s, com es diferencia del <strong>codi IBAN<\/strong>, com pots trobar el teu, i molt m\u00e9s.&nbsp;<\/p>\n\n\n\n<p>A m\u00e9s, incloem un llistat amb els codis SWIFT dels bancs m\u00e9s coneguts d&#039;Espanya, incloent-hi <strong>CaixaBank<\/strong>, <strong>BBVA<\/strong>, <strong>ING<\/strong>, i <strong>Sabadell<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Aquest article \u00e9s ideal per als que busquen informaci\u00f3 clara, fiable i completa sobre aquest component essencial del sistema bancari a <strong>nivell mundial<\/strong>.<\/p>\n\n\n\n<h2>Qu\u00e8 \u00e9s el codi SWIFT?&nbsp;<\/h2>\n\n\n\n<p>El <strong>codi SWIFT<\/strong> (tamb\u00e9 anomenat <strong>codi BIC \u2013 Bank Identifier Code<\/strong>) \u00e9s un codi alfanum\u00e8ric que <strong>serveix per identificar el banc<\/strong> receptor en una operaci\u00f3 internacional. La paraula SWIFT fa refer\u00e8ncia a la <strong>Society for Worldwide Interbank Financial Telecommunication<\/strong>, una organitzaci\u00f3 amb seu a B\u00e8lgica que va crear aquest sistema de missatgeria segura entre entitats financeres.&nbsp;<\/p>\n\n\n\n<p>Aquest codi permet l&#039;enviament de <strong>missatges xifrats<\/strong> i assegurances entre bancs de tot el m\u00f3n, fent possible que es realitzin <strong>transfer\u00e8ncies internacionals<\/strong> amb precisi\u00f3.&nbsp;<\/p>\n\n\n\n<p>Aix\u00ed, si necessites enviar diners al <strong>Regne Unit<\/strong>, a un pa\u00eds de la <strong>Uni\u00f3 Europea<\/strong>, o qualsevol altra regi\u00f3, el m\u00e9s probable \u00e9s que hagis de proporcionar el <strong>codi SWIFT BIC<\/strong> del banc destinatari.&nbsp;<\/p>\n\n\n\n<h2>Qu\u00e8 \u00e9s lIBAN?&nbsp;<\/h2>\n\n\n\n<p>El <strong>IBAN (International Bank Account Number)<\/strong> \u00e9s un codi que identifica un compte bancari espec\u00edfic dins d&#039;un banc. A difer\u00e8ncia del codi SWIFT, que identifica la <strong>entitat banc\u00e0ria<\/strong>, l&#039;IBAN apunta al compte dins aquesta entitat.&nbsp;<\/p>\n\n\n\n<p>Per exemple:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Codi SWIFT:<\/strong> Identifica el banc receptor.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Codi IBAN:<\/strong> Identifica el teu compte personal dins aquest banc.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Ambd\u00f3s codis s\u00f3n necessaris per realitzar correctament una transfer\u00e8ncia internacional, especialment dins de la <strong>Uni\u00f3 Europea<\/strong>.&nbsp;<\/p>\n\n\n\n<h2>Com puc saber el codi SWIFT del meu compte?&nbsp;<\/h2>\n\n\n\n<p>El codi SWIFT no \u00e9s \u00fanic per compte, sin\u00f3 per <strong>sucursal banc\u00e0ria<\/strong> o per banc. Per saber el teu, pots cercar a:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>El teu contracte o extracte bancari.<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Banca en l\u00ednia o app m\u00f2bil<\/strong> del teu banc.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Trucant directament<\/strong> a atenci\u00f3 al client de la teva entitat banc\u00e0ria.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>Tamb\u00e9 pots fer servir eines en l\u00ednia que permeten identificar aquest codi si coneixes el nom del banc i el seu pa\u00eds.&nbsp;<\/p>\n\n\n\n<h2>Com saber el codi SWIFT de qualsevol banc?&nbsp;<\/h2>\n\n\n\n<p>Per saber el codi SWIFT de qualsevol banc del m\u00f3n, pots:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buscar a la seva <strong>p\u00e0gina web oficial<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Utilitzar cercadors de SWIFT com el de <a href=\"https:\/\/www.swift.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">swift.com<\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consultar a webs de finances o directoris bancaris.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Una cerca com \u201ccodi SWIFT de Banco Santander Espa\u00f1a\u201d normalment et donar\u00e0 resultats \u00fatils i r\u00e0pids.&nbsp;<\/p>\n\n\n\n<h2>Codis SWIFT dels bancs m\u00e9s populars a Espanya&nbsp;<\/h2>\n\n\n\n<p>Aqu\u00ed tens una llista amb alguns dels codis SWIFT m\u00e9s utilitzats:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Banc<\/strong>&nbsp;<\/td><td><strong>Codi SWIFT \/ BIC<\/strong>&nbsp;<\/td><\/tr><tr><td>CaixaBank&nbsp;<\/td><td>CAIXESBBXXX&nbsp;<\/td><\/tr><tr><td>BBVA&nbsp;<\/td><td>BBVAESMMXXX&nbsp;<\/td><\/tr><tr><td>Banc Santander&nbsp;<\/td><td>BSCHESMMXXX&nbsp;<\/td><\/tr><tr><td>Banc Sabadell&nbsp;<\/td><td>BSABESBBXXX&nbsp;<\/td><\/tr><tr><td>ING Espanya&nbsp;<\/td><td>INGDESMMXXX&nbsp;<\/td><\/tr><tr><td>Bankinter&nbsp;<\/td><td>BKBKESMMXXX&nbsp;<\/td><\/tr><tr><td>Abanca&nbsp;<\/td><td>CAGLESMMXXX&nbsp;<\/td><\/tr><tr><td>Kutxabank&nbsp;<\/td><td>BASKES2BXXX&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Nota: la XXX final pot canviar segons la sucursal espec\u00edfica.<\/em>&nbsp;<\/p>\n\n\n\n<h2>Com trobar el codi SWIFT de CaixaBank?&nbsp;<\/h2>\n\n\n\n<p>Per con\u00e8ixer el <strong>codi SWIFT de CaixaBank<\/strong>, el m\u00e9s com\u00fa \u00e9s que sigui <strong>CAIXESBBXXX<\/strong>. Aquest codi es pot trobar tamb\u00e9:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Iniciant sessi\u00f3 a la <strong>banca digital de CaixaBank<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revisar un rebut o extracte.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acudint a una oficina a <strong>Barcelona BB<\/strong> o una altra ciutat.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2>Com trobar el codi SWIFT de BBVA?&nbsp;<\/h2>\n\n\n\n<p>El <strong>codi SWIFT BBVA<\/strong> per defecte \u00e9s <strong>BBVAESMMXXX<\/strong>. Per assegurar-te del codi correcte:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consulta el web oficial de BBVA.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entra a la secci\u00f3 del teu compte a l&#039;app m\u00f2bil.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visita una sucursal si vols verificar-ho.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2>Qu\u00e8 \u00e9s el SWIFT del banc ING?&nbsp;<\/h2>\n\n\n\n<p>El <strong>codi SWIFT d&#039;ING<\/strong> a Espanya \u00e9s <strong>INGDESMMXXX<\/strong>. Aquest identifica el banc dins del sistema <strong>SWIFT for world interbank financial<\/strong> i permet enviar i rebre pagaments en moneda estrangera.&nbsp;<\/p>\n\n\n\n<p>ING, com que \u00e9s un banc en l\u00ednia sense gaires oficines f\u00edsiques, concentra la majoria de les seves operacions mitjan\u00e7ant aquest codi en una mateixa central.&nbsp;<\/p>\n\n\n\n<h2>Com puc veure el codi SWIFT del meu compte Sabadell?&nbsp;<\/h2>\n\n\n\n<p>Si ets client de <strong>Banc Sabadell<\/strong>, el seu codi \u00e9s generalment <strong>BSABESBBXXX<\/strong>. Pots trobar-lo:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A la teva \u00e0rea personal en l\u00ednia.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trucant al 902 323 000 (atenci\u00f3 al client).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A la secci\u00f3 de transfer\u00e8ncies internacionals de la teva app.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2>Quin \u00e9s el codi SWIFT de la targeta?&nbsp;<\/h2>\n\n\n\n<p>Aqu\u00ed \u00e9s important aclarir alguna cosa: <strong>les targetes no tenen un codi SWIFT<\/strong>. El codi SWIFT est\u00e0 associat al <strong>banc emissor de la targeta<\/strong>, no a la targeta en si.&nbsp;<\/p>\n\n\n\n<p>Aix\u00ed que si tens una targeta de <strong>BBVA<\/strong>, el codi SWIFT ser\u00e0 <strong>BBVAESMMXXX<\/strong>, i si \u00e9s d&#039;ING, ser\u00e0 <strong>INGDESMMXXX<\/strong>. El que s\u00ed que pot variar \u00e9s el <strong>IBAN<\/strong>, que correspon al compte associat a la teva targeta.&nbsp;<\/p>\n\n\n\n<p>Entendre <strong>qu\u00e8 significa SWIFT<\/strong> i com es relaciona amb l&#039;IBAN \u00e9s fonamental si mai rebr\u00e0s o enviar diners des de o cap a l&#039;estranger. La <strong>Society for Worldwide Interbank Financial Telecommunication<\/strong> ha creat un sistema fiable i segur per identificar les <strong>entitats financeres<\/strong> a tot el m\u00f3n.&nbsp;<\/p>\n\n\n\n<p>Recorda: el codi SWIFT <strong>serveix per identificar el banc<\/strong> a nivell internacional, mentre que l&#039;IBAN identifica el teu compte concret dins aquesta entitat.&nbsp;<\/p>\n\n\n\n<p>Tenir aquesta informaci\u00f3 clara pot ajudar-te a evitar errors, especialment si cal enviar <strong>diners r\u00e0pids<\/strong> per una emerg\u00e8ncia o est\u00e0s esperant una transfer\u00e8ncia des del <strong>Regne Unit<\/strong> o fora de la <strong>Uni\u00f3 Europea<\/strong>. I si mai et trobes en una situaci\u00f3 on necessites una soluci\u00f3 financera immediata, recorda que hi ha alternatives com els <a href=\"#\"><strong>pr\u00e9stecs per a emerg\u00e8ncies<\/strong><\/a>, els <a href=\"#\"><strong>pr\u00e9stecs en 24 hores<\/strong><\/a>, i fins i tot <a href=\"#\"><strong>pr\u00e9stecs nom\u00e9s amb el DNI<\/strong><\/a>, que poden ser de gran ajuda per sortir d&#039;un comprom\u00eds sense complicacions i just quan m\u00e9s ho necessites.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Necessites Diners R\u00e0pids?<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Quan parlem de transfer\u00e8ncies internacionals, un dels termes que m\u00e9s apareix \u00e9s el fam\u00f3s codi SWIFT. Per\u00f2, swift qu\u00e8 vol dir realment? Aquest codi \u00e9s fonamental per garantir que els diners arribin correctament al vostre dest\u00ed, sense errors ni confusions. A continuaci\u00f3, t&#039;expliquem en profunditat qu\u00e8 \u00e9s, com es diferencia del codi IBAN, com [\u2026]<\/p>","protected":false},"author":23,"featured_media":5375,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[23,11],"tags":[],"class_list":["post-5374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera","category-otros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Descubre qu\u00e9 es SWIFT y por qu\u00e9 importa en tus transferencias | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 significa SWIFT, c\u00f3mo identificarlo, en qu\u00e9 se diferencia del IBAN, y c\u00f3mo usarlo en transferencias internacionales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Descubre qu\u00e9 es SWIFT y por qu\u00e9 importa en tus transferencias | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Descubre qu\u00e9 significa SWIFT, c\u00f3mo identificarlo, en qu\u00e9 se diferencia del IBAN, y c\u00f3mo usarlo en transferencias internacionales.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/profile.php?id=61569520036083&amp;locale=es_ES\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-21T10:50:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-02T09:25:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/03\/swift-que-significa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2250\" \/>\n\t<meta property=\"og:image:height\" content=\"1500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Daniel Escudero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/AvafinEs\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Daniel Escudero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa\",\"url\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa\",\"name\":\"Descubre qu\u00e9 es SWIFT y por qu\u00e9 importa en tus transferencias | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/03\/swift-que-significa.jpg\",\"datePublished\":\"2025-03-21T10:50:24+00:00\",\"dateModified\":\"2025-09-02T09:25:48+00:00\",\"author\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#\/schema\/person\/dfcbcd68c6560ce5045e2e9ad2b802e5\"},\"description\":\"Descubre qu\u00e9 significa SWIFT, c\u00f3mo identificarlo, en qu\u00e9 se diferencia del IBAN, y c\u00f3mo usarlo en transferencias internacionales.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.avafin.es\/ca\/bloc\/swift-que-significa#primaryimage\",\"url\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/03\/swift-que-significa.jpg\",\"contentUrl\":\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/03\/swift-que-significa.jpg\",\"width\":2250,\"height\":1500,\"caption\":\"Cuando hablamos de transferencias internacionales, uno de los t\u00e9rminos que m\u00e1s aparece es el famoso c\u00f3digo SWIFT. 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