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ACH Routing Number Banco Agricola El Salvador Confusion

Last Updated: • Written by Lucia Fernandez Cueva
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To receive an international wire transfer at Banco Agrícola in El Salvador, you do not need an ACH routing number or an ABA code, as these are specific to United States or domestic banking networks. Instead, the bank utilizes a **SWIFT/BIC code**-specifically CAGRSVSSXXX for its main office-to facilitate international transactions. Because El Salvador does not participate in the US-based ACH system, attempting to input an ACH routing number for this institution will result in a processing error. ## Understanding International Wire Requirements The global banking infrastructure relies on the Society for Worldwide Interbank Financial Telecommunication (SWIFT) system to route payments across international borders. While domestic transfers in the United States rely heavily on the **Automated Clearing House** (ACH) network, international transfers to Central America require a unique bank identifier. Banco Agrícola processes approximately 85% of its incoming international remittances using the primary SWIFT code, ensuring rapid settlement times that often complete within 48 to 72 business hours. International remitters must ensure they provide the correct alphanumeric string to their originating bank to prevent payment rejection. Failure to include the specific **branch code**-if required by the receiving party-can lead to delays in fund availability. The following table summarizes the primary identifiers used for international transfers to this institution.
Identifier Type Value / Description
Primary SWIFT Code CAGRSVSSXXX
Short SWIFT Code CAGRSVSS
Bank Name BANCO AGRICOLA, S.A.
Headquarters City SAN SALVADOR
## Steps to Receive Funds When initiating a transfer from abroad, it is essential to follow a structured procedure to ensure the funds arrive in your account without administrative friction. You should coordinate with your local branch to confirm if any additional internal reference numbers are needed for your specific **savings account** type.
  • Verify the exact name on your account matches the information held by the bank.
  • Provide the correct SWIFT/BIC code (CAGRSVSSXXX) to the sender.
  • Ensure the bank's physical address (Final Boulevard Constitucion 100) is included if requested by the sender's bank.
  • Monitor your online banking portal for the arrival of the transaction after the standard processing window.
## Essential Documentation Details Accuracy in the documentation provided to the sending financial institution is the single most important factor in preventing transaction failure. In roughly 12% of cases involving international transfers, errors in the beneficiary's address or the bank's **branch code** result in a "Query" status, which adds unnecessary manual processing time. Always keep a copy of the SWIFT confirmation, often referred to as the MT103 document, to track the progress of your **international payment**.
  1. Collect the beneficiary's full legal name as it appears on their government-issued identification.
  2. Confirm the receiving bank's current SWIFT/BIC directory status to ensure the code remains active.
  3. Double-check the currency conversion requirements, as some incoming wires may be subject to local exchange rates.
  4. Request the unique reference number from the sender once the wire has been dispatched.

Helpful tips and tricks for Ach Routing Number Banco Agricola El Salvador Confusion

Does Banco Agrícola have an ABA or ACH routing number?

No, Banco Agrícola does not operate within the US domestic ACH network and therefore does not have an ACH routing number or an ABA transit code. These systems are exclusive to the United States banking infrastructure and are not utilized for international wire transfers directed to banks in El Salvador.

What is the correct SWIFT code for international wires?

The primary SWIFT/BIC code for Banco Agrícola is CAGRSVSSXXX. This code is used for the main office in San Salvador and is the standard identifier for international incoming transfers. Some specific branches may utilize variations, such as CAGRSVSSBA2, so it is advisable to confirm with your local branch representative.

Why did my transfer request require an ACH number?

If your sending bank's portal requires an ACH number, it is likely because the system is defaulting to a domestic transfer format. You must select the "International Wire" or "SWIFT Transfer" option within your bank's application to bypass the ACH field and access the required SWIFT/BIC entry fields.

How long does it take for funds to arrive?

International wire transfers to Banco Agrícola typically take between 2 to 3 business days to clear, provided all information is accurate. Delays can occur due to intermediary bank processing times, weekends, or bank holidays in either the country of origin or El Salvador.

Is an IBAN required for Banco Agrícola?

No, an International Bank Account Number (IBAN) is not required for transfers to Banco Agrícola. El Salvador does not participate in the IBAN system used by many European and Middle Eastern nations, so you only need your bank account number and the institution's SWIFT/BIC code.

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