SWIFT/BIC codes in Belgium: banks starting with D

Belgium: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 333 institutions in Belgium – 651 codes altogether. Each code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Every bank has its own page showing its main code and, where available, codes for branches and departments. The rest of this page covers how the codes work, the cost of transfers and the checks worth doing before a payment.

The cheapest way to send money to Belgium

The price of a transfer to Belgium is made up of several parts – not only the fee you see. Besides a fixed fee, correspondent banks can deduct a charge, and when the money is converted the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, not in the fee: banks convert at a rate with a margin built in. Compare the rate you are offered against the mid-market rate. The difference is your real cost.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer. On GoldexPay we compare the amount that arrives in Belgium across providers.

Check the code before you pay

Have the recipient send you their bank details directly from their online banking. An incorrect BIC can cause a delay, a payment being sent back or additional charges, so compare it with the list on this page.

Our SWIFT/BIC directory is compiled from publicly available sources. Even so, banks merge or change codes and our data may lag behind. Before any payment that matters, confirm the code with the recipient. GoldexPay is an independent comparison site and has no link to the banks in this list.

Be wary of invoices with a new account. A valid BIC tells you nothing about whether a request is genuine – scammers use the codes of real banks.

Filter: banks in Belgium with :letter

This page shows only banks in Belgium beginning with :letter. The totals mentioned here apply to every bank we list.

Cannot find the bank? Its official name might begin with another word – think of the full legal name instead of the brand. The full overview for Belgium remains one click away if you cannot find the bank here.

Which bank in Belgium has the most codes?

In our directory, BNP Paribas Securities Services, Belgium holds the largest number of SWIFT/BIC codes in Belgium. The head office of BNP Paribas Securities Services, Belgium uses PARBBEBZXXX and that code covers most payments.

How many codes a bank has tells you more about how it organises its payments than about how big it is. Paying someone at BNP Paribas Securities Services, Belgium? Use PARBBEBZXXX except when the recipient gives you a branch code.

What a sender needs to pay you in Belgium

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

Look up the bank in the list above to check its code – your bank statement is the final word. You can add the name and city of your bank, since some payment forms ask for it.

The amount you receive is often lower than the amount sent. Fees for incoming transfers vary per bank – your bank’s price list tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

Tracking a payment to Belgium

There is no single answer for payments to Belgium: some arrive the same day or the next, others take several business days. Payments made after the cut-off time or just before weekends and holidays often start a business day later.

If the money seems late, ask the sender to contact the sending bank. Specialist transfer services usually provide a status in their app, which makes it easier to see where the money is.

The Euro (EUR) and conversion costs

Most accounts in Belgium are usually held in EUR, the local currency. When you pay money in a different currency, it has to be converted at some point – by your bank, a bank in between or the recipient’s bank.

Who converts the money makes a difference: every bank has its own margin. Compare what EUR the recipient gets via different providers before choosing one. With bigger transfers, even a small difference in the rate adds up quickly.

SEPA transfers to Belgium

Inside SEPA, euro transfers to Belgium use common rules and in most cases need only the IBAN. A field for the BIC is usually optional in that case.

You will still need a SWIFT code for payments in other currencies or transfers from countries outside SEPA. Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Fees are generally low as long as no currency is converted – conversion is what costs money.

The structure of a Belgium SWIFT/BIC code

Every SWIFT/BIC code has 8 or 11 characters, always in the same order. The first four letters identify the bank, characters five and six are the country code and characters seven and eight mark the location.

You can recognise a code from Belgium by the fifth and sixth characters. Codes with a different country code belong to a bank abroad.

If the last three are XXX, it refers to the main office, and the 8-character version leads to the same place. Choose a branch code only if the recipient’s bank asks for it.