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.

EMSTDE88 EMSLAND-STARKE GMBH CAPSDEHH ENCAVIS AG CAPSDEHH ENCAVIS GMBH KAHYDE31 ENDIR 1 ABWICKLUNGSGESELLSCHAFT MBH ERFBDE8E ERFURTER BANK EG EAADDEDB ERSTE ABWICKLUNGSANSTALT ETRIDE31 ETRIS BANK EHKVDEHH EULER HERMES DEUTSCHLAND,, NIEDERLASSUNG DER EULER HERMES SA EHRGDEH1 EULER HERMES RATING GMBH EUXCDEFF EUREX CLEARING AG XEURDEF1 EUREX DEUTSCHLAND XEUBDEF1 EUREX REPO GMBH EUVGDE32 EURO-V GMBH EURWDE33 EURO-WALLET GMBH DLGHDEA1 EUROCITY AG EIHBDE21 EUROPAEISCH-IRANISCHE HANDELSBANK AG ARABDEFF EUROPE ARAB BANK SA FRANKFURT BRANCH ECBFDEFF EUROPEAN CENTRAL BANK EEXCDE8L EUROPEAN COMMODITY CLEARING AG EUWADES1 EUWAX AKTIENGESELLSCHAFT EKKBDE52 EVANGELISCHE BANK EG EVEGDE71 EVENORD-BANK EG-KG EVNKDE3E EVONIK INDUSTRIES AG FBHNDE61 FCA BANK DEUTSCHLAND GMBH FFCFDEM1 FCF FOX CORPORATE FINANCE GMBH FAMMDEF1 FEDERATED ASSET MANAGEMENT GMBH FESVDEF1 FERI EURORATING SERVICES AG FRRRDEFF FERRERO MSC GMBH UND CO. KG FSTODE66 FESTO SE AND CO. KG FZNFDEF1 FHB KERESKEDELMI BANK ZRT., NIEDERLASSUNG FRANKFURT EFIBDEFF FIB FRANKFURT INTERNATIONAL BANK AG FFBKDEFF FIL FONDSBANK GMBH FDIMDEF1 FIL INVESTMENT SERVICES GMBH FPEGDEB2 FINANCIERE DES PAIEMENTS ELECTRONIQUES, SAS NIEDERLASSUNG DEUTSCHLAND FNIGDEF2 FINANZ INFORMATIK GMBH AND CO. KG FILWDE21 FINANZMINISTERIUM DES LANDES SCHLESWIG-, HOLSTEIN FNGMDEM2 FINAPI GMBH FRGMDE82 FINO RUN GMBH FNOMDEB2 FINOM PAYMENTS B.V. ZWEIGNIEDERLASSUNG, DEUTSCHLAND FIVGDED1 FINOVESTA GMBH FNGBDE82 FINSYSTEMS GMBH FCLMDE21 FIRST CLIMATE MARKETS AG FCBKDEFF FIRST COMMERCIAL BANK, LTD. FRANKFURT, BRANCH FRPIDEF1 FIRST PRIVATE INVESTMENT MANAGEMENT, KAG MBH FSCWDE66 FISCHERWERKE GMBH UND CO. KG FRIPDEF1 FITCH DEUTSCHLAND GMBH KOGMDEF1 FLATEX AG BIWBDE33 FLATEXDEGIRO BANK AG BIWBDE33 FLATEXDEGIRO BANK SE FLNDDE8F FLENDER GMBH FLSTDE33 FLOSSBACH VON STORCH AG FMSWDEMM FMS WERTMANAGEMENT AOER FWSGDE81 FMS WERTMANAGEMENT SERVICE GMBH FNALDEFF FNALITY EUROPE GMBH AXABDE3K FNZ BANK SE VDBBDE88 FOCONIS PAYMENT GMBH FDBADE8F FORD BANK GMBH FDBADE3K FORD BANK, NIEDERLASSUNG DER FCE BANK, PLC. ARLNDEM1 FRANKFURT MUNCHENER, LEBENSVERSICHERUNG AG FBGADEFB FRANKFURTER BANKGESELLSCHAFT, (DEUTSCHLAND) AG FRSKDEF1 FRANKFURTER SPARKASSE FRSDDEF1 FRANKFURTER SPARKASSE GF 1822DIREKT VOGRDE51 FRANKFURTER VOLKSBANK EG FFVBDEFF FRANKFURTER VOLKSBANK RHEIN-MAIN EG FRHRDE81 FREIE HANSESTADT BREMEN FHHFDEH1 FREIE UND HANSESTADT HAMBURG,, FINANZBEHOERDE FRBYDEM1 FREISTAAT BAYERN FRSHDE81 FREISTAAT SACHSEN FTFSDE81 FREISTAAT THUERINGEN FRESDEFF FRESENIUS SE UND CO. KGAA

Germany: SWIFT/BIC Codes & Payment Info

SWIFT/BIC code holders in Germany (1183)

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