FRCGZMLU is a BIC / SWIFT code of FIRST CAPITAL BANK LIMITED. Here you can find an address, list of currencies, correspondent relations and recommendations on how to send SWIFT transfers to this bank.
Always check with your bank or recipient directly if you are planning on sending money. If you believe you made a mistake in a SWIFT code, you can ask your bank to recall the payment.
SWIFT Code FRCGZMLU Explained:
SWIFT code is required to send an international money transfer over SWIFT (international wire transfer).
Normally, you can use first 8 symbols (FRCGZMLU) without branch code for a SWIFT funds transfer, however we recommend to double check with FIRST CAPITAL BANK LIMITED.
Most of the time, banks rely on their own or centralized reference data (SWIFTref), so you can send SWIFT payments to FIRST CAPITAL BANK LIMITED without specifying correspondent banks, however if you would like to manually choose one you can order information about FRCGZMLU correspondent banks or request it from the customer service of FIRST CAPITAL BANK LIMITED.
Payment Tracking
In order to track a SWIFT cross-border payment to/from FIRST CAPITAL BANK LIMITED you need an UETR code, Reference #, Amount Value, Payment Date and a Currency. Usually you can find all this info in a MT103 form.
Yes. FRCGZMLU is the SWIFT/BIC code of FIRST CAPITAL BANK LIMITED in ZAMBIA. It follows the ISO 9362 format and is used to route international (SWIFT) wire transfers to this institution.
Can I use the 8-character code FRCGZMLU?
In most cases, yes. The 8-character code FRCGZMLU refers to the head office, while the optional last three characters (XXX) identify a specific branch. We recommend confirming the exact code with FIRST CAPITAL BANK LIMITED or the sending bank.
How do I send a payment to FIRST CAPITAL BANK LIMITED?
Provide the beneficiary account number or IBAN together with the SWIFT/BIC code FRCGZMLU to your bank. To track the resulting cross-border payment you will need the UETR, which appears on the MT103 confirmation.
This record is aligned with the ISO 9362 BIC directory maintained by SWIFT — the ISO-appointed Registration Authority — and is refreshed on a monthly cycle. Last updated December 2025.
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The registrations of SWIFT codes are handled by Society for Worldwide Interbank Financial Telecommunication (SWIFT) and their headquarters is located in La Hulpe, Belgium. SWIFT is the registered trademark of S.W.I.F.T. SCRL with a registered address at Avenue Adèle 1, B-1310 La Hulpe, Belgium. We are not in any way affiliated with S.W.I.F.T. SCRL.
