SWIFT/BIC code CHEKDE81HOT
CHEKDE81HOT belongs to Sparkasse Chemnitz in Hohenstein-Ernstthal, Germany.
Code details
| SWIFT/BIC code | CHEKDE81HOT |
|---|---|
| 8-character code | CHEKDE81 |
| Branch code | HOT |
| Bank | Sparkasse Chemnitz |
| Branch | — |
| City | Hohenstein-Ernstthal |
| Country | Germany |
How the Sparkasse Chemnitz SWIFT/BIC is built up
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- CHEK Bank code
- 4 letters that identify the bank.
- DE Country code
- 2 letters for the country (ISO 3166).
- 81 Location code
- 2 characters for the city or region of the head office.
- HOT Branch code
- 3 characters for a specific branch. XXX means the head office.
Check before you send
- Ask the recipient which bank and branch the account is held at.
- Use the head office code (XXX) when no branch is specified.
- Make sure the country in the code matches the country of the account.
Frequently asked questions
Which branch is behind SWIFT code CHEKDE81HOT?
CHEKDE81HOT identifies Sparkasse Chemnitz, a branch or department of Sparkasse Chemnitz in Hohenstein-Ernstthal, Germany. Use this branch code only when the recipient or their bank explicitly asks for it.
What happens if I use CHEKDE81HOT incorrectly?
Your transfer can bounce, get stuck or cost extra. Always check CHEKDE81HOT against the details from Sparkasse Chemnitz before sending.
Do I need CHEKDE81HOT to send euros to Germany?
Germany is part of the SEPA area. When you send euros the IBAN is usually enough. For other currencies you do need CHEKDE81HOT.
How long does a transfer to Sparkasse Chemnitz take in Germany?
SEPA payments in euros usually arrive within one business day, instant payments within seconds. Transfers in other currencies can take 2–4 business days.
Can I use CHEKDE81 instead of CHEKDE81HOT?
CHEKDE81 is the main office of Sparkasse Chemnitz, while CHEKDE81HOT points to Sparkasse Chemnitz. Most international transfers work with the head office code, but follow the instructions of the recipient if they mention CHEKDE81HOT.
What is the cheapest way to send money to Sparkasse Chemnitz in Germany?
Banks often add 1–3% to the exchange rate on top of a fee. Check what you receive in Euro with specialist providers before you send – the difference can be large.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.