F. van Lanschot Bankiers Belgie N.V. SWIFT/BIC code

F. van Lanschot Bankiers Belgie N.V. SWIFT code: FVLBBE22

Whether you are given FVLBBE22 or FVLBBE22XXX, you are looking at the identical identifier for F. van Lanschot Bankiers Belgie N.V. in Belgium. The code does one job: it makes sure that money from abroad ends up at the right bank. You will need it mainly when dealing with transfers between countries.

On this page we explain how the code means, when you need it and what else you need for a transfer to or from F. van Lanschot Bankiers Belgie N.V.. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Do you need FVLBBE22 for a SEPA transfer?

Because Belgium is in the SEPA zone, a euro payment to F. van Lanschot Bankiers Belgie N.V. from another SEPA country normally only needs an IBAN. Many banks no longer ask for the BIC in that case or fill it in for you.

Outside the euro and from non-SEPA countries, FVLBBE22XXX or FVLBBE22 is still part of the payment details. Some forms also ask for the BIC; in that case, enter FVLBBE22.

Instant payments in euros are increasingly available across SEPA – whether F. van Lanschot Bankiers Belgie N.V. offers them for your account is worth checking. Provided no currency is converted, the transfer is inexpensive; it is the conversion that costs money.

FVLBBE22 or FVLBBE22XXX – which one to use?

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. Combined, these eight characters form FVLBBE22, the code most people search for.

XXX at the end of FVLBBE22XXX is not a placeholder or an error: it indicates the head office of F. van Lanschot Bankiers Belgie N.V.. Some banking apps insist on 11 characters, in which case you can enter XXX behind FVLBBE22.

As a rule the code is written in capitals and without spaces. Look out for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Before you send: check the F. van Lanschot Bankiers Belgie N.V. code

The most reliable place for the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. Check that code with FVLBBE22 on this page; if they differ, ask before you pay.

If the code is wrong, the payment may be delayed, be returned or end up costing more. A mistake in the account number is more serious; check it just as carefully.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check on the recipient adds extra certainty. When you pay someone new, many people send a small amount first and wait for confirmation.

Euro (EUR) and conversion costs

The currency of Belgium is the Euro (EUR). If you send money in a different currency, the amount has to be converted at some point – by your bank, by F. van Lanschot Bankiers Belgie N.V. or by a bank in between. Each conversion costs something – usually through the rate rather than a fee.

Who converts the money makes a difference. In many cases it is cheaper if you send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Exchange rates change all the time, and some providers let you lock in a rate. For regular payments, small differences in the rate make a real difference over a year.

Choosing between the 2 SWIFT codes of F. van Lanschot Bankiers Belgie N.V.

With 2 codes, F. van Lanschot Bankiers Belgie N.V. is one of the banks that use separate codes for branches and departments. The main code is FVLBBE22XXX.

Usually there is no need to look up a branch: transfers addressed to FVLBBE22XXX are routed within F. van Lanschot Bankiers Belgie N.V. without problems. Branch codes are only needed if the account holder explicitly mentions it, which is more common for business accounts and specialised services.

The best way is to take the code straight from the account holder’s bank details. Codes for branches are more prone to change than FVLBBE22XXX when a bank merges or closes offices.

How up to date is this code?

Our SWIFT/BIC directory draws on publicly available sources. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes are from our own dataset and may differ from what F. van Lanschot Bankiers Belgie N.V. publishes.

See our directory here as a helpful check, and let the details from the recipient or F. van Lanschot Bankiers Belgie N.V. have the final say. GoldexPay is not affiliated with F. van Lanschot Bankiers Belgie N.V., we only compare transfer services. Spotted an error? Tell us via our contact form so we can correct it.

Receiving money from abroad at F. van Lanschot Bankiers Belgie N.V.

When you are waiting for a payment from another country, send the payer everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, SWIFT code FVLBBE22XXX and your address.

You can add F. van Lanschot Bankiers Belgie N.V. and Antwerpen as well. A typo in your account number can be harder to fix than it looks.

What lands in your account is often less than what was sent. Intermediary banks may deduct a fee, F. van Lanschot Bankiers Belgie N.V. may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Agree with the sender who pays which costs, especially for larger amounts.

What a transfer from F. van Lanschot Bankiers Belgie N.V. abroad really costs

When you transfer money to another country through F. van Lanschot Bankiers Belgie N.V., the fee you see is only part of the cost. There is the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

Banks do not show their exchange rate markup separately – you only notice it if you compare. Check their rate against the mid-market rate – the rate you find on financial news sites.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. Before your next transfer, it is worth to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at F. van Lanschot Bankiers Belgie N.V.; only the conversion and sending happen elsewhere.

When will the money arrive at F. van Lanschot Bankiers Belgie N.V.?

How fast a transfer reaches F. van Lanschot Bankiers Belgie N.V. is determined by several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or on weekends and holidays usually go out a business day later. Compliance checks by one of the banks can also cause some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the money has arrived.

A delayed transfer has to be investigated by the sending bank. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Changed bank details? Be careful

Stay alert if a contact unexpectedly wants you to pay into a different account or a bank in another country. That FVLBBE22 is a real code is no guarantee that the account is genuine.

Before paying, verify changed bank details by phone on a number you know, not one from the message. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Fraud can also work the other way. Someone claims to have sent more than agreed and asks you to return the extra to a new account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.