SWIFT / BIC Code
PATCBGSF
Paynetics AD
PATCBGSF is the BIC (SWIFT code) of Paynetics AD, based in Sofia. Its IBANs are 22 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from Paynetics AD
Paste an IBAN from Bulgaria to check its check digits and see which bank it belongs to.
BIC Breakdown
PATC: institution identifier (4 letters)
BG: country code per ISO 3166-1
SF: location code (city / timezone)
Bank Details
Payments it can receive
Paynetics AD'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.
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IBAN format for 🇧🇬 Bulgaria
Bulgaria IBANs are 22 characters long.
Frequently Asked Questions
What is the SWIFT code for Paynetics AD?
PATCBGSF. Written with the head-office branch code it is PATCBGSFXXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does PATCBGSF mean?
"PATC" identifies Paynetics AD, "BG" is the country code for Bulgaria, "SF" is the location code.
How long are Paynetics AD IBANs?
22 characters, like every IBAN from Bulgaria: the country code BG, two check digits, the bank code (swift) (4 letters), the branch code (4 digits), the account type (2 digits) and the account number (8 characters).
Can I send an instant transfer to Paynetics AD?
Yes. The European Payments Council lists Paynetics AD in SEPA Instant Credit Transfer since 6 April 2020, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does Paynetics AD confirm the payee's name?
Yes. It answers Verification of Payee requests (since 9 October 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.