Bank of America, N.a. SWIFT/BIC code

Bank of America, N.a. SWIFT code: BOFADEFX

If an invoice shows BOFADEFX or BOFADEFXXXX, it is the identical address for Bank of America, N.a. in Germany. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. It comes up mainly for transfers between countries and payments in foreign currencies.

On this page you will find how the code means, when it matters and what else you need for a transfer to or from Bank of America, N.a.. Keep in mind that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

Where our SWIFT data comes from

The details here are taken from public sources that we update regularly. Banks reorganise, change names and change codes – a directory can be a step behind. Counts and locations come from our directory.

See the information here as a handy check and rely on the recipient or Bank of America, N.a. for the final confirmation. GoldexPay is not affiliated with Bank of America, N.a.. Found outdated information? Tell us via our contact form and we will look into it.

What the XXX in BOFADEFXXXX means

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. In this case, that core is BOFADEFX.

Many payment forms accept either length. If yours requires eleven characters, use BOFADEFXXXX, otherwise BOFADEFX is fine.

In practice the code is written in capitals. A wrong character may route the money to another bank, so copy it carefully.

How long does an international transfer to Bank of America, N.a. take?

An international transfer typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

If a transfer seems late, contact your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often show tracking in their app showing how far the money has got.

The bank that sent the money is able to start an official trace or a recall. As a recipient, you can look at your statements for a slightly lower amount, since fees may have been deducted.

What to give a sender who pays you at Bank of America, N.a.

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC BOFADEFXXXX (or BOFADEFX) and sometimes your postal address.

Certain sending banks want the address of Bank of America, N.a. in Frankfurt Am Main. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below the amount on the sender’s receipt. Correspondent banks can take a fee, Bank of America, N.a. may charge for incoming payments, and if the currency changes, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

SEPA payments and the Bank of America, N.a. BIC

Germany is a member of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. For a regular euro transfer from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

Outside the euro and from non-SEPA countries, BOFADEFXXXX remains part of the payment details. If your banking app asks for the BIC regardless, adding BOFADEFX is fine.

SEPA transfers normally land within one business day. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

International transfers from Bank of America, N.a.: the real cost

What you pay for an international transfer is made up of several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup when the money is converted.

Banks do not list the margin on the rate separately. An easy check: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets. You can always keep your account at Bank of America, N.a. to fund the transfer, while a cheaper service handles the conversion.

Is BOFADEFX still correct? How to check

The most reliable place for the right code remains paperwork issued by the bank, such as a statement or the account details in online banking. Check it with BOFADEFX here and ask if anything does not match.

A wrong SWIFT code can cause a delay, a payment being sent back or additional charges along the way. Remember the IBAN: an error there is more difficult to correct than a wrong code.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check on the recipient adds an extra layer of safety. For a first payment, some people send a small test amount and wait for confirmation.

Bank of America, N.a.: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Bank of America, N.a., spread over 1 cities. Next to the head office code BOFADEFXXXX, you will find codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code BOFADEFXXXX works fine. Just use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

Unsure which code to use? Ask the recipient. Branch codes are more prone to change than BOFADEFXXXX when a bank merges or closes offices.

Sending EUR to Bank of America, N.a.

The local currency of Germany is the Euro (EUR). If you send another currency it gets converted at some point. Every conversion costs the amount, even when no fee is shown.

Who does the conversion has an effect on how much arrives. Often you pay less if you send EUR directly through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The EUR rate fluctuates constantly. If you pay regularly, a slightly better rate add up over a year.

Protect yourself against fake payment requests

Stay alert if someone unexpectedly asks you to send money to a different account or a bank in another country. The fact that BOFADEFX exists does not mean that the account is legitimate.

Never rely on contact details in the same message that announces the change. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. If money was sent to a fraudster, call your bank right away.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference to another account. Do not act before the money is actually in your account and check with Bank of America, N.a. if anything seems off.