SWIFT/BIC code SPESDE3EHAM
SPESDE3EHAM belongs to Sparkasse Essen in Essen, Germany.
Code details
| SWIFT/BIC code | SPESDE3EHAM |
|---|---|
| 8-character code | SPESDE3E |
| Branch code | HAM |
| Bank | Sparkasse Essen |
| Branch | — |
| City | Essen |
| Country | Germany |
How the Sparkasse Essen SWIFT/BIC works
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- SPES Bank code
- 4 letters that identify the bank.
- DE Country code
- 2 letters for the country (ISO 3166).
- 3E Location code
- 2 characters for the city or region of the head office.
- HAM 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
What bank uses SWIFT/BIC code SPESDE3EHAM?
SPESDE3EHAM identifies Sparkasse Essen, a branch or department of Sparkasse Essen in Essen, Germany. Only use it if the account is held at this specific branch.
Do I need SPESDE3EHAM to send euros to Germany?
Germany is part of the SEPA area. For euro transfers the IBAN normally suffices and many banks fill in the BIC automatically. If you send another currency you do need SPESDE3EHAM.
How long does a transfer to Sparkasse Essen take in Germany?
Euro transfers within SEPA usually arrive within one business day. Transfers in other currencies can take 1–3 business days.
What happens if I enter SPESDE3EHAM incorrectly?
Your transfer can bounce, get stuck or cost extra. Always check SPESDE3EHAM against the details from Sparkasse Essen before sending.
What does each part of SPESDE3EHAM mean?
SPES is the institution code of Sparkasse Essen, DE is the ISO code of Germany, 3E is the location code and HAM is the code of the branch Sparkasse Essen.
What is the cheapest way to send money to Sparkasse Essen?
Banks often add several percent to the exchange rate on top of a fee. Compare the amount that arrives in Euro with transfer services before you send.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.