ZERMZAJJ
BANK ZERO MUTUAL BANK is identified on the SWIFT network by the BIC code ZERMZAJJ, registered in SOUTH AFRICA, settling primarily in ZAR. International wire transfers routed through this institution can be tracked free of charge by pasting your UETR or payment reference on the Ohmyfin homepage.
| Institution | Country | Location |
|---|---|---|
| ZERM | ZA — South Africa | JJ (live BIC) |
| SWIFT/BIC | ZERMZAJJ (head office, 8-char) |
|---|---|
| Bank | BANK ZERO MUTUAL BANK |
| Country | SOUTH AFRICA (ISO ZA) |
| Primary currency | ZAR (inferred from country) |
The SWIFT/BIC (Business Identifier Code) is the international standard ISO 9362 for identifying financial institutions in cross-border payments. ZERMZAJJ uniquely identifies BANK ZERO MUTUAL BANK in SOUTH AFRICA on the SWIFT network and is used as the routing identifier in field 57A of an MT103 message (or the equivalent BICFI element in an ISO 20022 pacs.008).
Because ZERMZAJJ is an 8-character BIC, it addresses the head office. Branch-level BICs append three additional characters (for example, ZERMZAJJXXX for the primary office) and are used when a specific branch must be addressed.
Payments routed through BANK ZERO MUTUAL BANK can be tracked end-to-end via SWIFT GPI when both the sender and receiver are GPI-enabled. Ohmyfin provides free public lookup of any UETR — paste yours on the homepage to see the latest available status, including which correspondent banks the payment has passed through.
AERPZAJ2NOPYZAJ2ABIVZAJ1ABVSZAJJABSAZAJJCBFABSAZAJ3ABSAZAJ2ABTRZAJ1View all banks in SOUTH AFRICA →
ZERMZAJJ is the unique SWIFT/BIC code identifying BANK ZERO MUTUAL BANK in SOUTH AFRICA. The first four characters (ZERM) are the institution code; the next two (ZA) are the ISO 3166-1 country code for South Africa; the next two (JJ) are the location code; no branch code is present, so this BIC addresses the head office.
Use the Ohmyfin SWIFT tracker on the homepage. Paste the UETR (field 121) or the payment reference (field 20) and Ohmyfin returns the latest available SWIFT GPI status, including each correspondent bank the payment passed through on the way to BANK ZERO MUTUAL BANK.
ZERMZAJJ is 8 characters long — head-office BIC (8-char). An 8-character BIC identifies the bank's head office; an 11-character BIC identifies a specific branch. Both are valid in MT103 field 57A.
BANK ZERO MUTUAL BANK's primary settlement currency is ZAR (South African Rand). ZAR clears via SAMOS. 1-2 business days.
1-2 business days via SAMOS. Settlement system: SAMOS. SARB clearing.
Most delays at the beneficiary bank come from sanctions/AML screening on the ordering customer, missing remittance information in field 70, or arrival after the local RTGS cut-off. Use Ohmyfin to see which hop is holding the payment so you can chase the right party.