Shizuoka Bank (Europe) S.A. SWIFT/BIC code

SHIZBEBB – the SWIFT/BIC code of Shizuoka Bank (Europe) S.A.

The 8-character code SHIZBEBB and the 11-character code SHIZBEBBXXX refer to the same bank: Shizuoka Bank (Europe) S.A., with its head office in Brussels. A SWIFT code shows every bank in the chain which institution should receive the money. In practice you usually see the code on international invoices, in your banking app and on the account details that Shizuoka Bank (Europe) S.A. provides.

Further down we go through the practical questions: receiving money at Shizuoka Bank (Europe) S.A., paying someone in another country and how to check the code before you hit send. Remember that the BIC only identifies the bank, not the account: the IBAN or account number does that part.

How long does an international transfer to Shizuoka Bank (Europe) S.A. take?

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays usually go out the next business day. Extra checks on larger or unusual payments can also add a delay, even when all details are correct.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each payment carries a unique transaction reference, the UETR. Keep the payment confirmation until the money has arrived.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it. Request from the sender the payment receipt – it helps your own bank look for the money.

Getting paid from abroad into a Shizuoka Bank (Europe) S.A. account

For a transfer from abroad at Shizuoka Bank (Europe) S.A., the sender needs not just the SWIFT code. The basics are: the account holder’s name, IBAN or account number, SHIZBEBBXXX or SHIZBEBB and, for some countries, your postal address.

Certain banks also ask for the bank’s address, so keep it at hand. A typo in the IBAN can be more trouble than you might think, so copy the details from your online banking.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. On invoices, you can state who bears the costs, so that nobody is left short.

The Euro and what conversion costs you

Belgium uses the Euro, with the currency code EUR. When you pay money in a different currency it gets converted somewhere along the way – by your bank, by Shizuoka Bank (Europe) S.A. or by a bank in between. You rarely see a separate line for that conversion.

Where the conversion happens affects how much arrives. Transferring the amount directly in EUR usually avoids an extra conversion.

The rate for EUR changes constantly. For recurring payments, small differences in the rate add up over time.

Euro transfers to Shizuoka Bank (Europe) S.A.: is a BIC needed?

Since Belgium is in SEPA, a euro payment into Shizuoka Bank (Europe) S.A. from within the SEPA area usually only needs the IBAN. Many banks no longer ask for the BIC in that case.

Outside the euro and from non-SEPA countries, SHIZBEBBXXX remains part of the payment details. Some forms also ask for the BIC; in that case, enter SHIZBEBB or SHIZBEBBXXX.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. As long as no currency is converted, a SEPA transfer is inexpensive; it is the conversion that costs money.

A note on our data

We gather bank codes from publicly available data and update our list from time to time. Banks reorganise, close branches and retire codes – a directory can be a step behind. Figures such as the number of codes are from our own dataset and are not confirmed by Shizuoka Bank (Europe) S.A..

Treat our directory on this page as a helpful check. GoldexPay is independent of Shizuoka Bank (Europe) S.A., we only compare transfer services. If you notice a mistake, we appreciate a short note.

Why Shizuoka Bank (Europe) S.A. has an 8- and an 11-character code

The layout of a BIC is always the same: four characters for the institution, two for the country and a two-character location code. For Shizuoka Bank (Europe) S.A., the 8-character core is SHIZBEBB.

XXX at the end of SHIZBEBBXXX is not a placeholder or a mistake: it stands for the main office of Shizuoka Bank (Europe) S.A.. Some banking apps insist on 11 characters, in which case you can enter XXX after SHIZBEBB.

In practice the code is typed in capitals and without spaces. A single character may route the money to a different institution.

Shizuoka Bank (Europe) S.A.: head office code versus branch codes

Shizuoka Bank (Europe) S.A. has 2 different SWIFT/BIC codes across 1 cities. One of them is the head office code, SHIZBEBBXXX; the others belong to branches, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code SHIZBEBBXXX is the right choice. If you have been given a specific code, use it as it is instead of replacing it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than SHIZBEBBXXX when a bank merges or closes offices.

What a transfer from Shizuoka Bank (Europe) S.A. abroad really costs

If you send money abroad through Shizuoka Bank (Europe) S.A., the fee you see is only part of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares transfer providers next to each other, showing what actually arrives. Choosing a specialist does not mean closing your account at Shizuoka Bank (Europe) S.A. – you pay the provider from your own account.

Scams that use SWIFT codes

Be alert when a contact suddenly asks you to pay into another account or a bank in another country. The fact that SHIZBEBB exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check changed payment details through a different channel, not by replying to the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from straight away and ask them to try to recall the payment.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference. A screenshot of a transfer proves nothing.

Verifying the SWIFT code of Shizuoka Bank (Europe) S.A.

The best place to find the right code remains paperwork issued by the bank. If the code you have does not match SHIZBEBB or SHIZBEBBXXX, stop and ask.

Errors in the BIC are annoying rather than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: a mistake there can be more difficult to correct than a wrong code.

A format check in your banking app merely tells you that the code exists. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. For a first payment, some people send a small test amount and wait for confirmation.