---
title: "Banco Nacional de Costa Rica SWIFT/BIC code BNCRCRSJXXX · Costa Rica | Elucidate"
description: "SWIFT/BIC code BNCRCRSJXXX for Banco Nacional de Costa Rica, Costa Rica. 1 branch BIC, LEI 549300BH267R4KQVKV59, addresses and Swift connectivity."
url: https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj
---
1. [Directory](https://elucidate.co/directory)
2. [Costa Rica](https://elucidate.co/directory/country/cr)
3. Banco Nacional de Costa Rica
Costa Rica · Financial institution
# Banco Nacional de Costa Rica
Banco Nacional de Costa Rica is an autonomous public-law institution of the Costa Rican State, based in San José. The Superintendencia General de Entidades Financieras (SUGEF) and the Contraloría General de la República oversee it. According to its 2025 financial statements, it operates as a universal bank. It serves personal, business, corporate and institutional clients. It wholly owns subsidiaries in securities brokerage, fund management, pensions and insurance brokerage. It also holds 49% of Banco Internacional de Costa Rica, S.A. (BICSA) in Panama.
BIC **BNCRCRSJXXX** LEI **[549300BH267R4KQVKV59](https://search.gleif.org/#/record/549300BH267R4KQVKV59)** Licence no. **Not on a tracked register** Connected to Swift Swift GPI member, not yet live [**1** branch code](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#branches) [Claim this profile](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** BNCRCRSJXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Member, not yet live
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** [1 branch code](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#branches)
- **BIC first registered:** 1992-11-05
- **Last updated:** 2024-07-10
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#overview-sources)
Total assets
CRC 8.66tn
This entity · 31 Dec 2025 · [regulatory filing ↗](https://48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciembre%20del%202025.pdf)
Employees
5,470
headcount · This entity · 31 Dec 2025 · [regulatory filing ↗](https://48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciembre%20del%202025.pdf)
Ownership
State-owned
Institution type
Commercial bank
Trades as BN
- **Ownership:** The bank is an autonomous state-owned commercial bank of the Republic of Costa Rica and has no private shareholders.
- **Ultimate owner:** Republic of Costa Rica, Costa Rica
- **Head office:** Avenidas 1 y 3, Calles 2 y 4, 10015 San José, Costa Rica
- **Company register:** Cédula jurídica 4000001021
### Business lines
- Retail banking
- Corporate banking
- SME banking
- Mortgage lending
- Cards
- Consumer finance
- Development finance
- Trade finance
- Transaction banking & payments
- Custody & securities services
- Other
By law, the bank runs its business through three departments: Commercial, Mortgage and Rural Credit. It also acts as a trustee and manages Development Banking System funds.
### Online
- **Websites & references:** [bncr.fi.cr ↗](https://www.bncr.fi.cr/) did not load when checked
- **Official social accounts:** None found
Sources · 11 pages consulted
1. [48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciemb](https://48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciembre%20del%202025.pdf)
2. [delfino.cr/2026/09/bn-designa-directorio-de-su-junta-directiva-para-el-periodo-2026-2027](https://delfino.cr/2026/09/bn-designa-directorio-de-su-junta-directiva-para-el-periodo-2026-2027)
3. [elfinancierocr.com/finanzas/banco-nacional-y-bcr-renuevan-sus-cupulas-asi/NGFYTTCK6VCULIKV2Q7ALYS4AI/story/](https://www.elfinancierocr.com/finanzas/banco-nacional-y-bcr-renuevan-sus-cupulas-asi/NGFYTTCK6VCULIKV2Q7ALYS4AI/story/)
4. [nacion.com/economia/banco-nacional-designa-a-raul-espinoza-guido-como/6QSS44XZIZC4TAI64JTNP24FN4/sto](https://www.nacion.com/economia/banco-nacional-designa-a-raul-espinoza-guido-como/6QSS44XZIZC4TAI64JTNP24FN4/story/)
5. [revistasumma.com/lideres-que-inspiran-rosaysella-ulloa-gerente-general-del-banco-nacional/](https://revistasumma.com/lideres-que-inspiran-rosaysella-ulloa-gerente-general-del-banco-nacional/)
6. [nacion.com/economia/banca/rosaysella-ulloa-es-nombrada-gerente-general-del/RAQA5UMYQZEO3JFZFUIGR23QX](https://www.nacion.com/economia/banca/rosaysella-ulloa-es-nombrada-gerente-general-del/RAQA5UMYQZEO3JFZFUIGR23QXM/story/)
7. [crhoy.com/economia/banco-nacional-ratifico-a-rosaysella-ulloa-como-gerente-general/](https://www.crhoy.com/economia/banco-nacional-ratifico-a-rosaysella-ulloa-como-gerente-general/)
8. [nacion.com/economia/ganancias-de-banca-publica-crecieron-en-el-primer/MXKL3WNOYJCRND774XZ3CQOOFU/sto](https://www.nacion.com/economia/ganancias-de-banca-publica-crecieron-en-el-primer/MXKL3WNOYJCRND774XZ3CQOOFU/story/)
9. [nacion.com/economia/cuales-son-los-bancos-mas-grandes-de-costa-rica/FWFIEYJ2ORCVBPHX5SQTBXQJZU/story](https://www.nacion.com/economia/cuales-son-los-bancos-mas-grandes-de-costa-rica/FWFIEYJ2ORCVBPHX5SQTBXQJZU/story/)
10. [infobae.com/costa-rica/2026/08/27/condenan-a-30-anos-de-prision-a-extesorero-del-banco-nacional-de-co](https://www.infobae.com/costa-rica/2026/08/27/condenan-a-30-anos-de-prision-a-extesorero-del-banco-nacional-de-costa-rica-por-sustraer-de-la-boveda-3293-millones-usd-72-millones/)
11. [nacion.com/sucesos/caso-por-desfalco-en-boveda-del-banco-nacional-no/W7FSLJYONRBUHCZ655MMHXJNRE/stor](https://www.nacion.com/sucesos/caso-por-desfalco-en-boveda-del-banco-nacional-no/W7FSLJYONRBUHCZ655MMHXJNRE/story/)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#overview-sources)
- **Chief executive:** Rosaysella Ulloa Villalobos Gerente General (General Manager) Confirmed 29 Sep 2026 · [revistasumma.com ↗](https://revistasumma.com/lideres-que-inspiran-rosaysella-ulloa-gerente-general-del-banco-nacional/)
- **Chair:** Raúl Espinoza Guido Presidente de la Junta Directiva General (Chair of the General Board) Confirmed 29 Sep 2026 · [delfino.cr ↗](https://delfino.cr/2026/09/bn-designa-directorio-de-su-junta-directiva-para-el-periodo-2026-2027)
- **Chief financial officer:** José Antonio Vásquez Rivera Director Corporativo de Finanzas (Corporate Finance Director) Confirmed 29 Sep 2026 · [nacion.com ↗](https://www.nacion.com/economia/ganancias-de-banca-publica-crecieron-en-el-primer/MXKL3WNOYJCRND774XZ3CQOOFU/story/)
- **Executive:** Maricela Alpízar Chacón Vicepresidenta de la Junta Directiva General (Vice-Chair) Confirmed 29 Sep 2026 · [delfino.cr ↗](https://delfino.cr/2026/09/bn-designa-directorio-de-su-junta-directiva-para-el-periodo-2026-2027)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#overview-sources)
- **Costa Rica:** General Superintendency of Financial Entities (SUGEF) Prudential supervisor AML supervisor
- **Costa Rica:** National Council for Supervision of the Financial System (CONASSIF) Other
- **Costa Rica:** Central Bank of Costa Rica Central bank Foreign exchange
- **Costa Rica:** Comptroller General of the Republic Other
## Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj#overview-sources)
1. Sep 2026
Leadership
The General Board designated Raúl Espinoza Guido as chair for a term running to 30 June 2027.
[delfino.cr ↗](https://delfino.cr/2026/09/bn-designa-directorio-de-su-junta-directiva-para-el-periodo-2026-2027)
2. Aug 2026
Incident
A San José criminal court sentenced a former bank treasurer to 30 years in prison. The case concerned about CRC 3,293 million taken from the bank's vaults.
[infobae.com ↗](https://www.infobae.com/costa-rica/2026/08/27/condenan-a-30-anos-de-prision-a-extesorero-del-banco-nacional-de-costa-rica-por-sustraer-de-la-boveda-3293-millones-usd-72-millones/)
3. May 2025
Other
The Contentious-Administrative Tribunal ruled for the bank in a dispute over its 2017 income tax. It ordered a refund of CRC 30,097 million, and the bank appealed the amount.
[48395929.fs1.hubspotusercontent-na1.net ↗](https://48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciembre%20del%202025.pdf)
4. Sep 2024
Leadership
The General Board appointed Rosaysella Ulloa Villalobos as General Manager for six years. She had served on an interim basis since December 2023.
[nacion.com ↗](https://www.nacion.com/economia/banca/rosaysella-ulloa-es-nombrada-gerente-general-del/RAQA5UMYQZEO3JFZFUIGR23QXM/story/)
5. Dec 2023
Leadership
General Manager Bernardo Alfaro Araya resigned. Rosaysella Ulloa Villalobos took the post on an interim basis.
[nacion.com ↗](https://www.nacion.com/economia/banca/rosaysella-ulloa-es-nombrada-gerente-general-del/RAQA5UMYQZEO3JFZFUIGR23QXM/story/)
6. Oct 2023
Incident
The bank filed a criminal complaint with the Public Prosecutor's Office over cash taken from its treasury.
[48395929.fs1.hubspotusercontent-na1.net ↗](https://48395929.fs1.hubspotusercontent-na1.net/hubfs/48395929/Estados%20Financieros%20Anuales%20Internos%20BNCR%20al%2031%20de%20Diciembre%20del%202025.pdf)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** BNCRCRSJXXX
- **How the BIC breaks down:** 1. BNCR Bank 2. CR Country · Costa Rica 3. SJ Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 549300BH267R4KQVKV59
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300BH267R4KQVKV59)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** Costa Rica · Latin America & Caribbean
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** 1 - 3 AVENIDA, CALLE 2 Y 4 SAN JOSE 1000 COSTA RICA
- **Operational address:** AVENIDA 1 Y 3 CALLE 2 Y 4 SAN JOSE SAN JOSE POB 10015 COSTA RICA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
BNCRCRSJXXX
549300BH267R4KQVKV59
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
BNCRCRSJXXX
549300BH267R4KQVKV59
BANCO NACIONAL DE COSTA RICA
SAN JOSE
CR
1 - 3 AVENIDA, CALLE 2 Y 4 SAN JOSE 1000
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Network
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [BNCRCRSJGCI](https://elucidate.co/directory/banco-nacional-de-costa-rica-bncrcrsj-gci) | — | San Jose | SAN JOSE SAN JOSE COSTA RICA | — | 2024-07-10 |
[See every BIC in Costa Rica →](https://elucidate.co/directory/country/cr#bics)
## Related institutions
### Largest institutions in Costa Rica
- [Banco Davivienda (Costa Rica), S.A. BIC BXBACRSJ Financial institution Not on a tracked register Costa Rica · Not on a tracked register · LEI 5493007B0Q1C4X5XBN75](https://elucidate.co/directory/banco-davivienda-costa-rica-s-a-bxbacrsj)
- [Banco Bac San Jose BIC BSNJCRSJ Financial institution Not on a tracked register Costa Rica · Not on a tracked register · LEI 2549005EC6BBRXUKMF75](https://elucidate.co/directory/banco-bac-san-jose-bsnjcrsj)
- [Banco Bct S.A. BIC CCIOCRSJ Financial institution Not on a tracked register Costa Rica · Not on a tracked register · LEI 25490061PVFNGN0YMO97](https://elucidate.co/directory/banco-bct-s-a-cciocrsj)
- [Bac Latam Ssc Sociedad Anonima BIC BLSOCRS2 Non-financial corporate Not on a tracked register Costa Rica · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bac-latam-ssc-sociedad-anonima-blsocrs2)
- [Bac Latam Ssc Sociedad Anonima BIC BLSOCRSJ Non-financial corporate Not on a tracked register Costa Rica · Not on a tracked register · LEI 254900S0HHDZ9D25TA33](https://elucidate.co/directory/bac-latam-ssc-sociedad-anonima-blsocrsj)
- [Banco Bct Sociedad Anonima . BIC FILOCRS1 Financial institution Not on a tracked register Costa Rica · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banco-bct-sociedad-anonima-filocrs1)
- [Banco Cathay de Costa Rica, S.A. BIC KTAYCRSJ Financial institution Not on a tracked register Costa Rica · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banco-cathay-de-costa-rica-s-a-ktaycrsj)
- [Banco Central de Costa Rica BIC BCCRCRSJ Financial institution Not on a tracked register Costa Rica · Not on a tracked register · LEI 549300DYYS8QPMR8OP36](https://elucidate.co/directory/banco-central-de-costa-rica-bccrcrsj)
[See every BIC in Costa Rica →](https://elucidate.co/directory/country/cr#bics)
Claim this profile
## Work at Banco Nacional de Costa Rica?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.