SWIFT / BIC Code
ALCLESMM
BANCO ALCALA S.A.
ALCLESMM is the BIC (SWIFT code) of BANCO ALCALA S.A., registered in Madrid. Its IBANs are 24 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
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BIC Breakdown
ALCL: institution identifier (4 letters)
ES: country code per ISO 3166-1
MM: location code (city / timezone)
Bank Details
Payments it can receive
BANCO ALCALA S.A.'s participation in the European payment schemes, from the EPC register of participants.
Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.
Part of Crèdit Andorrà, SA
BANCO ALCALA S.A. is registered in Spain but belongs to Crèdit Andorrà, SA, a banking group based in Andorra.
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IBAN format for 🇪🇸 Spain
Spain IBANs are 24 characters long.
Frequently Asked Questions
What is the SWIFT code for BANCO ALCALA S.A.?
ALCLESMM. Written with the head-office branch code it is ALCLESMMXXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does ALCLESMM mean?
"ALCL" identifies BANCO ALCALA S.A., "ES" is the country code for Spain, "MM" is the location code.
How long are BANCO ALCALA S.A. IBANs?
24 characters, like every IBAN from Spain: the country code ES, two check digits, the bank code (4 digits), the branch code (4 digits), the check digits (2 digits) and the account number (10 digits).
Can I send an instant transfer to BANCO ALCALA S.A.?
Yes. The European Payments Council lists BANCO ALCALA S.A. in SEPA Instant Credit Transfer since 2 December 2024, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does BANCO ALCALA S.A. confirm the payee's name?
Yes. It answers Verification of Payee requests (since 5 October 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.
Where is BANCO ALCALA S.A.'s registered office?
Calle Jose Ortega y Gasset 7, 28006 Madrid, according to GLEIF. The European Payments Council lists C/ José Ortega y Gasset, 7, 4º, Madrid as its address.
Who owns BANCO ALCALA S.A.?
BANCO ALCALA S.A. is owned by Crèdit Andorrà, SA, a banking group based in Andorra. BANCO ALCALA S.A. is registered in Spain as a local entity, while its ultimate ownership sits with the parent group in Andorra.