Bank Account Number
Ecuador uses bank account numbers combined with the Código de Cuenta Interbancaria (CCI) for domestic transfers. The Banco Central del Ecuador (BCE) operates the Sistema de Pagos Interbancario (SPI) for electronic transfers between financial institutions.
At a glance
Country
Ecuador
Identifier
CCI
Format
Bank code + account number
Used for
Domestic transfers
Format breakdown
0010
Bank Code
1–4
Institution code assigned by BCE
001
Branch Code
5–7
Branch identifier
2100012345
Account Number
8–20
Customer account number
How CCI works
Each bank is assigned a code by the BCE. For domestic transfers, you need the destination bank code and account number. The SPI processes interbank transfers electronically, supporting both same-day and next-day settlement.
Where to find yours
In your online banking app, on your bank statement, or by visiting any branch. Your CCI (interbank account code) can be found in your account details section.
Payment systems in Ecuador
| System | Speed | Description |
|---|---|---|
| SPI | Same day | Sistema de Pagos Interbancario — interbank electronic payment system operated by BCE |
| SCI | 1 business day | Sistema de Cobros Interbancario — interbank collections and direct debit system |
| SWIFT | 1–3 business days | International wire transfers via the SWIFT network |
Major banks in Ecuador
Good to know
Ecuador adopted the US dollar in 2000, so all domestic transactions are in USD.
Banco Pichincha is the largest private bank in Ecuador and offers extensive online banking.
Always confirm the full CCI code for interbank transfers to avoid delays.
Related tools
Other countries
Frequently asked questions
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