What is the SWIFT/BIC code format used in Germany?

Every bank, EMI and PSP in Germany that sends international payments has an 8 or 11 character SWIFT/BIC code. Ohmyfin lists 1,183 institutions in Germany with an assigned BIC. You can verify any of them on this page or through the Ohmyfin API.

Is IBAN mandatory in Germany?

Yes. IBAN is required for bank accounts in Germany. The local IBAN follows the format DE2!n8!n10!n.

Germany: SWIFT/BIC Codes & Payment Info

Browse banks, EMIs, PSPs and other organizations in Germany that hold a SWIFT/BIC code. See correspondent banking data and review the country's payment requirements.

Currency

EUR (Euro)

IBAN

Mandatory (DE2!n8!n10!n)

SEPA

Yes

Cross-border payments and banking in Germany: Overview: Remitter should obtain all required bank information from the Beneficiary, such as SWIFT BIC, IBAN, and beneficiary bank address. For more information, visit www.bundesbank.de.

Country Requirements/Restrictions:

Payment Restrictions: Payments exceeding EUR 12,500 between residents and non-residents must be reported to the central bank.
Account Restrictions: Residents and non-residents can open and maintain accounts in local (EUR) and foreign currencies both locally and abroad. Account opening requires authorized signatures and company registration documents.
SEPA: Strict SEPA guidelines apply for euro payments. IBAN and SWIFT BIC are essential for all euro transactions, especially for accounts in Germany.

Payment Formatting Rules for EUR:

Ordering Customer (SWIFT MT103 F50): Include full account details, including the account number, full name (no initials), and address to avoid delays.
Beneficiary Customer (SWIFT MT103 F59): Ensure to provide the IBAN, full name (no initials), and address of the beneficiary to prevent delays.
Include IBAN numbers for beneficiaries with accounts in Germany in the payment instructions.

Beneficiary Bank (SWIFT MT103 F57): Include SWIFT BIC with required branch identifier, full name, and address of the beneficiary bank. SWIFT BIC has 8 or 11 characters (e.g., xxxxDExx or xxxxDExxxxx). SWIFT BIC is essential for routing payments as there are no specific bank clearing codes for cross-border payments.

Cross-border invoice requirements for Germany E-invoicing rules, tax IDs, mandatory fields and invoice language for invoices issued in Germany.

SWIFT/BIC code holders in Germany (1183)

Banks, EMIs, PSPs and other organizations with an assigned BIC. Click any entry for SWIFT/BIC details, correspondent banking data and supported currencies.

SPBKDEMM SPARDA-BANK MUENCHEN EG SPNUDE7N SPARDA-BANK NUERNBERG EG SPBKDE77 SPARDA-BANK OSTBAYERN EG SPDUDE81 SPARDA-BANK SUDWEST EG SPBKDEDD SPARDA-BANK WEST EG AACSDE33 SPARKASSE AACHEN WELADE3H SPARKASSE AN VOLME UND RUHR SPBMDE31 SPARKASSE BERGKAMEN-BONEN SPBIDE3B SPARKASSE BIELEFELD SBREDE22 SPARKASSE BREMEN AG, DIE CHEKDE81 SPARKASSE CHEMNITZ DORTDE33 SPARKASSE DORTMUND SDUEDE33 SPARKASSE DUEREN DUISDE33 SPARKASSE DUISBURG SPESDE3E SPARKASSE ESSEN FRSPDE66 SPARKASSE FREIBURG - NOERDLICHER, BREISGAU SKGIDE5F SPARKASSE GIESSEN SPKHDE2H SPARKASSE HANNOVER SKHRDE6W SPARKASSE HOCHRHEIN WLAHDE44 SPARKASSE IM KREIS HERFORD KARSDE66 SPARKASSE KARLSRUHE COLSDE33 SPARKASSE KOELNBONN BRUSDE66 SPARKASSE KRAICHGAU BRUCHSAL- BRETTEN-, SINSHEIM SPKRDE33 SPARKASSE KREFELD -, ZWECKVERBANDSSPARKASSE DER STADT, KREFELD UND DES KREISES VIERSEN - WELADEDL SPARKASSE LEVERKUSEN SKLODE66 SPARKASSE LOERRACH-RHEINFELDEN MERZDE55 SPARKASSE MERZIG - WADERN SPMHDE3E SPARKASSE MUELHEIM AN DER RUHR SPUODE31 SPARKASSE MUENSTERLAND OST WELADEDN SPARKASSE NEUSS SSKNDE77 SPARKASSE NUERNBERG NOLADE22 SPARKASSE OSNABRUECK WELADE3L SPARKASSE PADERBORN-DETMOLD-HOEXTER PZHSDE66 SPARKASSE PFORZHEIM CALW MANSDE66 SPARKASSE RHEIN NECKAR NORD SAKSDE55 SPARKASSE SAARBRUCKEN SPSHDE31 SPARKASSE SCHWELM- SPROCKHOEVEL -, ZWECKVERBANDSSPARKASSE DER STAEDTE, SCHWELM UND SPROCKHOEVEL TRISDE55 SPARKASSE TRIER LUHSDE6A SPARKASSE VORDERPFALZ WELADE3W SPARKASSE WESTMUENSTERLAND SPUBDE21 SPARKASSE ZU LUBECK AG IPGSDEDD SPG GERMANY SERVICE MANAGEMENT GMBH SPWNDE51 SPREEWALDBANK EG SETBDEH2 SSW ENERGY TRADING GMBH IIATDE21 SSW-TRADING GMBH GAKDDEM1 ST. GALLER KANTONALBANK DEUTSCHLAND AG WEVODE51 ST. WENDELER VOLKSBANK EG STLBDE5K STABILUS GMBH STAZDE55 STADA ARZNEIMITTEL AG SOLSDE33 STADT-SPARKASSE SOLINGEN WELADE8L STADT-UND KREISSPARKASSE LEIPZIG AUGSDE77 STADTSPARKASSE AUGSBURG DUSSDEDD STADTSPARKASSE DUESSELDORF MGLSDE33 STADTSPARKASSE MOENCHENGLADBACH SSKMDEMM STADTSPARKASSE MUENCHEN WELADEDR STADTSPARKASSE REMSCHEID WUPSDE33 STADTSPARKASSE WUPPERTAL STTDDE7N STAEDTLER SE SCBLDEFX STANDARD CHARTERED BANK AG DRBKDEH1 START:BAUSPARKASSE AG SBINDEFF STATE BANK OF INDIA SBOSDEMX STATE STREET BANK INTERNATIONAL GMBH STGIDEM1 STATE STREET GLOBAL INVESTMENT GMBH GMGGDE51 STELLANTIS BANK S.A. NIEDERLASSUNG, DEUTSCHLAND MAIFDEFF STIFEL EUROPE AG STAWDE21 STIFTUNG AUTOMUSEUM VOLKSWAGEN STKGDE8S STO SE AND CO.KGAA SXFEDEHH STONEX FINANCIAL EUROPE GMBH IGLUDEFF STONEX FINANCIAL GMBH STSRDE7H STS GROUP AG

Germany: SWIFT/BIC Codes & Payment Info

SWIFT/BIC code holders in Germany (1183)

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