SWIFT/BIC codes in Belgium: banks starting with T

SWIFT/BIC codes in Belgium

For Belgium our database holds 651 SWIFT/BIC codes. Each code points to a bank or a specific branch or department, so a payment from abroad reaches the right place.

Each bank has its own page showing its main code and, where available, branch codes. Further down you can read how codes from Belgium are built, how to send money to Belgium at a fair price and how to check a code before you pay.

Bank or transfer service for Belgium?

What you pay for a payment to Belgium is made up of several parts, and the fee on your screen is only one of them. There is a transfer fee, sometimes charges from intermediary banks and, most importantly, the exchange rate markup when currencies differ.

The real cost is often in the rate, not in the fee. A simple test: set the offered rate against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a bank, mainly because of the rate. GoldexPay compares these providers next to each other so you can see the amount that reaches the recipient for the same amount sent.

Most SWIFT codes in Belgium: BNP Paribas Securities Services, Belgium

Among the 333 institutions we list, BNP Paribas Securities Services, Belgium holds the largest number of SWIFT/BIC codes of all banks in Belgium. The head office uses PARBBEBZXXX.

Practice differs in how many codes they register – a high count is not a measure of size. Unless the recipient asks for a branch, PARBBEBZXXX is fine for transfers to this bank.

When does money sent to Belgium arrive?

There is no single answer for payments to Belgium: some land the same day or the next. Public holidays in Belgium or in the sending country can add a day or more.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR that banks can use to see where the money is. Keep the payment confirmation until the money has arrived.

What a sender needs to pay you in Belgium

A sender in another country will ask for a few details from you – incomplete details often cause delays. Share your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

Find your bank in the list above and compare the code with your own bank details, but take the code from your own bank details when in doubt. Certain sending banks also want your bank’s address; it does no harm to include it.

What lands in your account can be lower than the amount sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate applies. On invoices, agree how the fees are split to avoid a shortfall.

SEPA transfers to Belgium

Within the SEPA zone, euro payments to Belgium follow the same rules and in most cases need only the IBAN. A field for the BIC is usually optional for those payments.

You will still need a SWIFT code for payments in other currencies or transfers from countries outside SEPA. Euro payments within SEPA normally land within one business day. As long as no conversion is involved, the transfer is usually inexpensive.

Paying in EUR: what conversion costs you

Bank accounts in Belgium are typically held in EUR, the local currency. If you send another currency, the amount gets converted somewhere along the way.

Who does the conversion affects the final amount. In many cases it is cheaper to send EUR directly through a provider that converts near the mid-market rate rather than letting the receiving bank convert. Rates for EUR move during the day.

Verifying a SWIFT code from Belgium

The best place to find the right code remains paperwork issued by the bank. An incorrect BIC may lead to a delay, a payment being sent back or extra fees, so compare it with the list on this page.

The directory on GoldexPay is based on publicly available sources and is updated regularly. Institutions reorganise, close branches and retire codes – a directory can be a step behind. Use our data as a starting point. GoldexPay is a comparison site and not part of any bank listed here.

Scammers regularly use payment requests carrying changed bank details. A real SWIFT code says nothing about who owns the account: criminals use real codes too.

SWIFT codes in Belgium: banks under :letter

This filter narrows the list to banks from Belgium that begin with :letter. The figures for Belgium mentioned here apply to every bank we list and not only this letter.

Many institutions are listed under their official name, which may start with words like Bank or Banco, so the letter can differ from what you expect. The full overview for Belgium is available if you cannot find the bank here.

How SWIFT codes from Belgium are built

Every SWIFT/BIC code consists of eight or eleven characters, always in the same order. The first four letters stand for the bank, characters five and six form the country code and the next two give the location.

You can spot a bank code from Belgium from letters five and six: they always show the ISO country code of Belgium. Codes with a different country code come from a bank abroad.

If the last three are XXX, it refers to the head office and the short version works just as well. For most transfers the head office code is fine, unless the recipient gives you a branch code.