Augsburger Aktienbank AG SWIFT/BIC code

What AUGBDE77 means for a payment to Augsburger Aktienbank AG

Whether you are given AUGBDE77 or AUGBDE77XXX, it is the same identifier for Augsburger Aktienbank AG in Germany. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the right institution. In daily life you usually come across the code on invoices from abroad, in your banking app and on the account details of Augsburger Aktienbank AG customers.

On this page you can read what the code is put together, when it matters and what else a transfer to or from Augsburger Aktienbank AG requires. A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

When will the money arrive at Augsburger Aktienbank AG?

How fast a payment arrives at Augsburger Aktienbank AG is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country can add extra days. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt – you will need it for any trace request.

A missing payment is traced by the sending bank, using the payment confirmation. Ask the sender for the payment receipt; that often settles the question quickly.

SEPA payments and the Augsburger Aktienbank AG BIC

Germany belongs to the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

The BIC still matter when the currency is not euros and when the money comes from outside SEPA. Some forms also ask for the BIC out of habit; in that case, enter AUGBDE77 or AUGBDE77XXX.

Euro payments within SEPA normally land by the next business day. Fees for SEPA transfers tend to be low, as long as no currency conversion is involved.

Sending EUR to Augsburger Aktienbank AG

The national currency in Germany 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 Augsburger Aktienbank AG or by a bank in between. Each conversion eats into something.

Which bank converts the money matters: every bank has its own margin. Sending the money already in EUR often avoids an extra conversion by Augsburger Aktienbank AG.

Rates for EUR move all the time, and some providers let you lock in a rate. For recurring payments, a slightly better rate make a real difference over a year.

Which of the 3 codes of Augsburger Aktienbank AG do you need?

Our database contains 3 SWIFT/BIC codes for Augsburger Aktienbank AG in 1 places. Besides the head office code AUGBDE77XXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, use AUGBDE77XXX or its short form AUGBDE77. If you have been given a branch code, stick to it instead of replacing it for the head office code.

Not sure which code applies? Check with the recipient. Codes for branches are more likely to be retired than the head office code.

A note on our data

We collect bank codes using publicly available data and check them regularly. It is possible that information on this page is out of date, for example after a merger. The number of codes we show are based on what is in our directory.

Treat the information on this page as a helpful check, and let the details from the recipient or Augsburger Aktienbank AG have the final say. GoldexPay is independent of Augsburger Aktienbank AG. Found outdated information? Tell us via our contact form and we will look into it.

What to give a sender who pays you at Augsburger Aktienbank AG

Someone abroad who wants to pay you needs several details about your account. What they need is: your name, account number or IBAN, AUGBDE77XXX or AUGBDE77 and often your postal address.

Some sending banks also ask for the name and address of Augsburger Aktienbank AG; it does no harm to include it. A typo in the IBAN can be harder to fix than you might think, so copy the details from your online banking.

An incoming payment will not always land for the full amount. Charges on incoming payments vary per bank – the price list of Augsburger Aktienbank AG tells you what applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

Before you send: check the Augsburger Aktienbank AG code

The best place to find the right code remains paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have does not match AUGBDE77 or AUGBDE77XXX, stop and ask.

With a wrong code, the transfer may get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number is more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps check the structure of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a name check on the recipient adds an extra layer of safety. A small test payment is worth it for a large first payment, even if it costs an extra fee.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a request claiming that a supplier now has new bank details and that the next payment should go there. The fact that AUGBDE77 exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Always verify changed bank details through a phone call. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. Already paid? Call your bank straight away and have them start a recall and report the fraud.

Scams also target the receiver. Someone claims to have sent more than agreed and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

What a transfer from Augsburger Aktienbank AG abroad really costs

An international bank payment can cost more than the listed fee. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

Banks rarely show the margin on the rate separately, but you pay it all the same. An easy check: set the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer. Before your next transfer, take a minute to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Augsburger Aktienbank AG as the source of the money; only the conversion and sending happen elsewhere.

AUGBDE77 or AUGBDE77XXX – which one to use?

A BIC is made up of fixed blocks: the first four letters identify the bank, the next two give the country and the two after that mark the location. For Augsburger Aktienbank AG, that core is AUGBDE77.

The 11-character version has three more characters for a branch or department. If the last three are XXX, the code points to the head office, so AUGBDE77XXX and AUGBDE77 are interchangeable.

As a rule the code is written in capitals and without spaces. A wrong letter can send a payment to another bank, so check it twice.