SWIFT code for the National Commercial Bank (NCB) in Jamaica

The SWIFT code for the National Commercial Bank (NCB) in Jamaica is JNCBJMKX. This code applies to all NCB branches within Jamaica.

Here are some additional details that might be helpful:

• Website: https://www.jncb.com/
• Wire Transfer Instructions: https://www.jncb.com/Support/Requirements/SWIFT-Wire-Transfer-Instructions

Remember, even though all NCB branches in Jamaica share the same SWIFT code, it’s essential to provide the correct beneficiary account number and name when making a wire transfer.

The SWIFT code for the Bank of Jamaica is BAJAJMKN XXX.

However, the final three digits (“XXX”) depend on the specific type of account you have with the Bank of Jamaica. Here’s how to find the correct ending digits:

• Government accounts: Use 101.
• Commercial accounts: Use 201.
• Other account types: You may need to contact the Bank of Jamaica directly at +1 876-948-6642 or email them at [email address removed] to confirm the correct ending digits for your specific account type.

Please note:

• Always confirm the SWIFT code and account information with the Bank of Jamaica directly before making any financial transactions.
• The National Commercial Bank (NCB) has a different SWIFT code, which is JNCBJMKX. Double-check which bank you’re dealing with to ensure you use the correct information.

Is SWIFT code 8 digit?

No, a SWIFT code is not always 8 digits. It can be 8 or 11 characters long, depending on the specific bank and branch.

Here’s the breakdown:

• 8-digit SWIFT code: This is typically used for the head office of a bank and applies to all branches within the same country.
• 11-digit SWIFT code: This includes an additional branch identifier in the last 3 digits, which helps specify the exact branch where the account is held.

Therefore, it’s crucial to know whether you need the SWIFT code for the head office or a specific branch to determine the correct length. For NCB specifically:

• NCB Jamaica and Saudi Arabia:
  • Use JNCBJMKX for the head office (8 digits).
  • For specific branches in Saudi Arabia, use NCBKSAJE XXX with the final 3 digits depending on the branch.
• NCB Cayman:
  • Each branch has a unique 11-digit code. You need to know the specific branch and potentially your account type to find the correct one.

So, remember to check with your bank or relevant resources to confirm the specific SWIFT code you need based on your situation. It’s vital to use the correct one to ensure smooth and accurate international transactions.

Can someone send money to my NCB account from overseas?

Yes, it is possible for someone to send money to your NCB account from overseas. There are several ways this can be done:

1. Wire Transfer: This is the most common method for sending money internationally. The sender will need your SWIFT code, account number, and full name. However, wire transfers can be expensive, so be sure to check the fees involved before proceeding.

2. International Money Transfer Service: Many companies offer international money transfer services, such as Western Union, MoneyGram, and Wise. These services are often cheaper and faster than wire transfers, but they may have lower sending limits.

3. Online Payment Method: If the sender pays you for goods or services, they may be able to use an online payment method like PayPal or Stripe. These methods are convenient and secure, but they may not be available in all countries.

Important things to remember:

• Make sure you provide the sender with the correct information. This includes your full name, account number, SWIFT code, and any other relevant details.
• Be aware of the fees involved. Different methods of sending money have different fees associated with them.
• Ask your bank about any limitations on receiving international transfers. Some banks may have limits on the amount of money you can receive from overseas.

What is NCB online transfer limit?

The online transfer limit for your NCB account depends on two key factors:

1. Transaction type: The type of online transfer you’re making determines the applicable limit.
2. Country: NCB operates in Jamaica, Saudi Arabia, and Cayman Islands, each with different online transfer limits.

Here’s a breakdown for each country:

Jamaica:

Transaction Type	Daily Limit	Monthly Limit
Self-Transfer (between your own accounts)	J$2,000,000	None
Third-Party Transfer (within NCB)	J$500,000	J$1,000,000
Other Bank Transfer (local)	J$500,000	J$1,000,000
Wire Transfer	J$500,000	J$1,500,000
Bill Payment	J$2,000,000	None

Saudi Arabia:

Transaction Type	Daily Limit	Monthly Limit
Self-Transfer (between your own accounts)	SAR 2,000,000	None
Third-Party Transfer (within NCB)	SAR 500,000	SAR 2,000,000
Other Bank Transfer (local)	SAR 500,000	SAR 2,000,000
Wire Transfer	SAR 500,000	SAR 5,000,000
Bill Payment	SAR 2,000,000	None

Cayman Islands:

Transaction Type	Daily Limit	Monthly Limit
Self-Transfer (between your own accounts)	CI$2,000,000	None
Third-Party Transfer (within NCB)	CI$500,000	CI$1,000,000
Other Bank Transfer (local)	CI$500,000	CI$1,000,000
Wire Transfer	CI$500,000	CI$5,000,000
Bill Payment	CI$2,000,000	None

Please note:

• These limits are subject to change, so it’s always best to check with your NCB branch or website for the latest information.
• Higher limits may be available depending on your account type and relationship with the bank.
• These limits only apply to online transfers. Different limitations might apply for in-branch transactions.

I hope this clarifies the NCB online transfer limits for different countries and transactions!

How do I deposit money into my NCB account?

There are several ways you can deposit money into your NCB account, depending on your location and convenience:

In-branch:

• Cash: Visit any NCB branch with your account number and ID. Tell the teller you’d like to make a deposit and hand them the cash.
• Cheque: Make sure the cheque is endorsed (signed on the back) with “Pay to the order of NCB” and include your account number. Present the cheque and your ID to the teller.
• Bank Transfers: If you have another bank account, you can initiate an electronic transfer to your NCB account. You’ll need your NCB account number and routing number for this method.

Online Banking:

• Self-Transfer: If you have multiple NCB accounts, you can transfer funds between them through online banking. You’ll need the account numbers for both accounts.
• Third-Party Transfer: Transfer funds from another bank account in Jamaica to your NCB account. You’ll need the recipient’s account number and routing number.
• International Transfers: Receive wire transfers from overseas accounts directly into your NCB account. Provide the sender with your SWIFT code and account number.

Other Options:

• ABM (Automated Teller Machine): Deposit cash or cheques at any NCB iABM. Ensure you activate your debit card for cash deposits and endorse cheques payable to NCB with your account number.
• Western Union: Deposit funds directly to your NCB account from a Western Union agent location. This option is ideal for receiving money from overseas through their bank account deposit service.

Important Notes:

• Limits: Each deposit method may have daily or monthly transaction limits. Check with NCB or your online banking platform for details.
• Fees: Some methods, like wire transfers and Western Union, may incur fees. Be sure to understand the charges before proceeding.
• Timing: Deposits made in-branch or through ABMs are usually credited instantly. Online transfers might take one to three business days.
• Documentation: Depending on the method and amount, you may require additional documentation for verification.

I recommend visiting the NCB website (https://www.jncb.com/) or contacting your local branch for specific details and any updates on available methods and their latest requirements.

Feel free to provide more information about your location and preferred method if you need further assistance on a specific option!

Can I use my debit card in Jamaica?

Whether you can use your debit card in Jamaica depends on several factors:

1. Your card network: Generally, cards from major networks like Visa and Mastercard are widely accepted in Jamaica. American Express is less common, and other networks like Discover are rarely accepted.

2. Your bank’s international capabilities: Check with your bank to ensure they allow overseas transactions and don’t have geographical restrictions on your card. They might charge foreign transaction fees, so inquire about those as well.

3. The type of establishment: Most larger hotels, restaurants, and tourist-frequented areas accept debit cards. Smaller businesses and street vendors might prefer cash.

4. Chip & PIN vs. Swipe & Sign: Many businesses in Jamaica have transitioned to Chip & PIN technology. Make sure your card has a chip and know your PIN for smoother transactions. Some might still accept swipe & sign, but it’s becoming less common.

5. Your specific card’s settings: Double-check with your bank that your card is enabled for international use and doesn’t have any spending limits that would affect using it in Jamaica.

Additionally:

• Carrying cash is still recommended: While card acceptance is growing, having some Jamaican dollars on hand is always helpful for smaller purchases, transportation, or situations where cards aren’t accepted.
• Inform your bank about your travel: Notify your bank that you’ll be using your card in Jamaica to avoid potential fraud alerts or blocked transactions.
• Be mindful of security: Use ATMs in well-lit areas and avoid sharing your PIN with anyone.

Overall, using your debit card in Jamaica is a convenient option for many situations. However, being prepared with cash and understanding the factors mentioned above will ensure a smooth and enjoyable experience.

What is NCB daily withdrawal limit?

The daily withdrawal limit for your NCB account depends on two key factors:

1. Type of withdrawal: Whether you’re withdrawing cash from an NCB ATM, through online banking, or at an NCB branch counter.
2. Your account type: NCB offers various account types with different features and limitations.

Here’s a breakdown of the daily withdrawal limits based on these factors:

**NCB Account Type	Cash Withdrawal (ATM/ABM)	Online Banking	Branch Counter**
Savings Account	J$100,000	Varies based on specific account	J$100,000
Current Account	J$250,000	J$500,000*	J$500,000
Corporate Account	Varies based on account agreement	Varies based on account agreement	Varies based on account agreement

Additional Notes:

• The online banking limit of J$500,000 applies to transfers to other NCB accounts within Jamaica. Transfers to other banks may have different limits.
• These are general limits and might not represent the specific limit for your account. For personalized information, always refer to your account statement, online banking platform, or contact your NCB branch directly.
• Higher limits may be available depending on your account type and relationship with the bank. It’s best to reach out to NCB for confirmation.
• These limits apply to Jamaican NCB accounts. Withdrawal limits in other countries where NCB operates (e.g., Saudi Arabia, Cayman Islands) might differ.

What is the maximum you can withdraw from an ATM in Jamaica?

The maximum amount you can withdraw from an ATM in Jamaica depends on three main factors:

1. Your NCB account type: Different account types have different withdrawal limits. Here’s a general overview:
   • Savings Account: J$100,000 per day
   • Current Account: J$250,000 per day
   • Corporate Account: Varies based on account agreement
2. The specific ATM: Some ATMs have lower withdrawal limits than others. These limits are usually displayed on the ATM screen.
3. Your daily withdrawal limit: NCB also sets a daily withdrawal limit for your account, regardless of the method you use. This limit applies to ATM withdrawals, online banking transfers, and withdrawals at the branch counter.

Therefore, the maximum you can withdraw from an ATM in Jamaica is the minimum of:

• The limit for your account type
• The limit of the specific ATM you’re using
• Your daily withdrawal limit

Additional tips:

• Check your account statement or online banking platform to know your specific daily withdrawal limit.
• Some ATMs may allow multiple withdrawals in a single day, as long as the total amount doesn’t exceed your limit.
• Be aware of fees associated with ATM withdrawals, especially if you’re using an ATM from another bank.
• Carrying both cash and a debit card is recommended for flexibility and convenience in Jamaica.

I hope this information clarifies the maximum you can withdraw from an ATM in Jamaica!

How long does it take for NCB transfer to go through?

The processing time for an NCB transfer depends on several factors, including:

Type of transfer:

• Internal (within NCB accounts):
  • Self-transfers: These are usually instant, happening within seconds.
  • Third-party transfers within NCB: These are typically completed within the same business day if initiated before 2:30 PM Jamaican time. Otherwise, they may be processed on the next business day.
• External (between NCB and other banks):
  • ACH transfers: These can take 1-3 business days to complete.
  • Wire transfers: These are generally faster, often processed within the same business day if initiated before cut-off times (which vary depending on the destination bank).

Other factors:

• Time of initiation: Transfers initiated closer to business closing times or on weekends may experience longer processing due to batch processing schedules.
• Holidays: Transactions initiated on bank holidays may be delayed until the next business day.
• Recipient bank’s processing time: External transfers rely on the receiving bank’s processing, which can add additional time.

Here’s a summary table for your reference:

Transfer Type	Processing Time
Internal Self-Transfer	Instant
Internal Third-Party Transfer (same day)	Same business day (before 2:30 PM)
Internal Third-Party Transfer (next day)	Next business day (after 2:30 PM)
ACH Transfer	1-3 business days
Wire Transfer	Same business day (before cut-off time)

Additionally:

• You can find more specific information about processing times on the NCB website or by contacting your local branch.
• To ensure faster processing, initiate transfers during regular business hours and avoid holidays.
• Always double-check the recipient’s account information before initiating a transfer to avoid delays or errors.

I hope this clarifies the processing time for NCB transfers!

How long does it take for NCB to clear a Cheque?

The processing time for clearing a cheque at NCB depends on several factors, including:

1. Type of cheque:

• Personal cheques: These typically take 4 business days to clear after being deposited.
• Government cheques: These may clear faster, within 1-2 business days.
• Certified cheques: These are guaranteed by the issuing bank and usually clear quickly, often within 1-2 business days.

2. Deposit method:

• Branch deposit: Cheques deposited before a specific cut-off time (usually around 3:30 PM) at an NCB branch will be processed on the same day. Otherwise, they might be processed on the next business day.
• ABM deposit: Cheques deposited at NCB iABMs before 11:00 AM will be processed on the same day. For deposits after 11:00 AM, processing starts on the next business day.
• Drop-box deposit: Cheques deposited in the drop-box before 10:00 AM will be processed on the same day. Deposits after 10:00 AM will be processed on the next business day.

3. Other factors:

• Bank holidays: Cheques deposited on bank holidays will be processed on the next business day.
• Insufficient funds in the drawer’s account: If the cheque bounces due to insufficient funds, the clearing process can take longer as the bank attempts to collect the payment.

Here’s a summary table for your reference:

Cheque Type	Deposit Method	Processing Time
Personal	Branch (same day)	1 business day
Personal	Branch (next day)	4 business days
Government	Branch	1-2 business days
Certified	Branch	1-2 business days
Personal	ABM (same day)	1 business day
Personal	ABM (next day)	4 business days
Government	ABM	1-2 business days
Certified	ABM	1-2 business days
Personal	Drop-box (same day)	1 business day
Personal	Drop-box (next day)	4 business days
Government	Drop-box	1-2 business days
Certified	Drop-box	1-2 business days

Note: These are general guidelines, and the actual processing time may vary depending on specific circumstances. You can always contact your NCB branch or check their website for the latest information and specific timelines.

How do I know if my NCB account is active?

There are several ways to check if your NCB account is active:

Online Banking:

1. Log in: If you can successfully log in to your NCB online banking platform, it’s a strong indicator that your account is active.
2. Account details: Once logged in, check your account details and activity. If you see your account balance and recent transactions, it’s likely active.

Mobile App:

1. Download the NCB mobile app: If you haven’t already, download the NCB mobile app and attempt to log in with your account details. Successful login suggests an active account.

Branch Visit:

1. Visit your local NCB branch: Bring your account number and ID and speak to a customer service representative. They can confirm your account status and provide any necessary information.

Phone Call:

1. Call NCB customer service: Dial the NCB customer service number and explain your request. They can verify your account status and answer any questions you have.
2. Jamaica: 1-888-622-3477 (toll-free within Jamaica)
3. USA & Canada: 1-866-622-3477 (toll-free in the USA & Canada)
4. UK: 0-800-032-2973 (toll-free in the UK)
5. Other countries: +1 876 929 9050 (standard international charges apply)
6. Website:
7. https://www.jncb.com/Support/Contact/Contact-us

You can submit an online message through their website form

Signs of an Inactive Account:

• Inability to log in: If you can’t access your online banking or mobile app due to invalid credentials, the account might be inactive.
• No recent transactions: If you haven’t used your account for a while and see no recent activity, it could be inactive.
• Returned deposits or transfers: If you receive notifications of returned deposits or transfers due to “account closed” or similar reasons, it indicates an inactive account.

Additional Tips:

• Remember that NCB may consider an account inactive after a certain period of inactivity (usually 6 months for current accounts and 12 months for savings accounts).
• If you suspect your account is inactive, it’s best to contact NCB directly to clarify the status and take necessary actions to reactivate it if desired.
• NCB’s website or mobile app might have additional information and resources regarding account activity and reactivation procedures.

I hope this helps!