Triodos Bank SWIFT/BIC code

Triodos Bank SWIFT code: TRIOBEBB

Whether you are given TRIOBEBB or TRIOBEBBXXX, it is the identical address for Triodos Bank in Belgium. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money. In practice you usually come across it on international invoices, in payment forms and on the account details of Triodos Bank customers.

On this page you can read how the code means, when it matters and what else a transfer to or from Triodos Bank requires. The BIC identifies a bank or branch, not a specific account, which is why you always need the account number too.

Verifying the SWIFT code of Triodos Bank

Have the recipient copy the account details directly from their banking app. If the code you have does not match TRIOBEBB or TRIOBEBBXXX, do not guess.

Errors in the BIC tend to be annoying rather than disastrous – usually the money comes back, minus fees and time lost. Do not forget the IBAN: a mistake there can be harder to undo than a wrong BIC.

An automatic check by your bank only tells you that the code is valid – not that it belongs to the person you mean to pay. More and more banks check the name against the account; take any warning seriously. For a first payment, many people send a small test amount and wait for confirmation.

Paying Triodos Bank in euros within SEPA

Within the SEPA zone, euro payments to Triodos Bank use the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing in that case.

Outside the euro and for senders outside SEPA, TRIOBEBBXXX is still required. Some forms also show a field for the BIC; if so, fill in TRIOBEBB.

Euro payments within SEPA normally land within one business day. Fees for SEPA payments tend to be low.

About this information

We gather SWIFT/BIC codes using publicly available data and update our list regularly. Institutions merge, close branches and change codes, and a directory never catches every change immediately. The number of codes on this page reflect what is in our directory, not official figures from Triodos Bank.

Use our data as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is a comparison site and not affiliated with Triodos Bank. Should you notice a mistake, we appreciate a short note via the contact page.

Why Triodos Bank has an 8- and an 11-character code

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. Together, these eight characters make up TRIOBEBB.

Most payment forms work with both lengths. If a form requires eleven characters, use TRIOBEBBXXX.

In practice the code is typed in capitals. Watch for O versus 0 or the letter I and the digit 1.

Euro (EUR) and conversion costs

The national currency of Belgium is the Euro (EUR). When you pay another currency, the amount has to be converted at some point: by your bank, an intermediary or Triodos Bank itself. Every conversion eats into the amount, even when no fee is shown.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Check how much EUR arrives with several services before choosing one.

The rate for EUR fluctuates constantly. For recurring payments, a slightly better rate make a real difference over time.

Paying someone abroad from your Triodos Bank account

What you pay for a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank often uses a rate that is less favourable than the real market rate.

Banks rarely show their exchange rate markup as a cost – you only notice it if you compare. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate. Before your next transfer, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Triodos Bank: you simply pay the service from your account.

How long does an international transfer to Triodos Bank take?

How quickly a transfer arrives at Triodos Bank is determined by several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Payments made late in the day or on weekends and holidays usually start a business day later. Sometimes a bank wants to know what the payment is for before releasing it.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show a status online so you can see how far the payment has got.

Only the sending bank is able to request a trace. On the receiving end, it helps to check your statements to see a partial amount because fees can reduce the amount.

Watch out for payment fraud

A common scam works like this: an email arrives with a request saying that a company now has a new bank account and asking you to pay there from now on. The fact that TRIOBEBB exists does not mean that a request mentioning it is legitimate.

Before paying, confirm a change of bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to try to recall the payment and report the fraud.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to return the difference via a different route. A screenshot of a transfer proves nothing.

Incoming international payments to Triodos Bank

A sender in another country needs a few details from you – incomplete details often cause delays. The basics are: your name, account number or IBAN, TRIOBEBBXXX and often your postal address.

It helps to include the bank name and Brussels too. Check each detail before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. For business payments, it is common to agree how the fees are split to avoid a shortfall.

Head office or branch code at Triodos Bank?

With 2 codes in 1 locations, Triodos Bank belongs to the banks that use individual codes for parts of the organisation and departments. The main code is TRIOBEBBXXX.

For most incoming transfers, the head office code TRIOBEBBXXX is what you need. A branch code only makes sense if the recipient’s bank specifically asks for it.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are more likely to be retired than TRIOBEBBXXX when a bank merges or closes offices.