Bankhaus Hallbaum AG SWIFT/BIC code

HALLDE2H – the SWIFT/BIC code of Bankhaus Hallbaum AG

The short code HALLDE2H and the 11-character code HALLDE2HXXX refer to the same bank: Bankhaus Hallbaum AG in Hannover, Germany. The code does one job: it ensures that an international payment reaches the right bank. In practice you usually come across it on invoices from abroad, in payment forms and in the bank details of Bankhaus Hallbaum AG customers.

This page is meant to help people who pays into an account at Bankhaus Hallbaum AG without mistakes. The SWIFT code alone cannot identify a personal account; that is what the IBAN or account number .

Verifying the SWIFT code of Bankhaus Hallbaum AG

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 differs from HALLDE2H or HALLDE2HXXX, do not guess – contact the recipient or Bankhaus Hallbaum AG.

With a wrong code, the payment might be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the account number: a mistake there is harder to correct than a wrong BIC.

Many banking apps check the structure of an IBAN – that confirms the format, not the owner. More and more banks compare the payee name against the account before you confirm – do not ignore a mismatch warning. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

Euro (EUR) and conversion costs

Germany uses the Euro. Money sent in a different currency is converted into EUR. You rarely see a separate line for that conversion – the cost sits in the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. In many cases it is cheaper to send EUR straight away through a provider with a good rate.

The rate for EUR changes constantly and quotes are often valid only for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Bankhaus Hallbaum AG: head office code versus branch codes

We have 2 SWIFT/BIC codes for Bankhaus Hallbaum AG in 1 places. Next to the head office code HALLDE2HXXX, you will find codes for regional offices and specialised units.

For most payments to a private or business account, the head office code HALLDE2HXXX works fine. When you receive a specific code, use it as it is rather than replacing it with the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time.

About this information

The codes on this page come from public sources. Institutions reorganise, close branches and retire codes. The figures on this page are based on what is in our directory and not on information from Bankhaus Hallbaum AG itself.

See the information here as a helpful check. GoldexPay is independent of Bankhaus Hallbaum AG, we only compare transfer services. Should you notice a mistake, we appreciate a short note via the contact page.

Getting paid from abroad into a Bankhaus Hallbaum AG account

Someone abroad who wants to pay you needs a few details about your account. What they need is: the account holder’s name, account number or IBAN, HALLDE2HXXX and often your home address.

The sender’s bank might also ask for the address of your bank. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than the amount sent. Intermediary banks may deduct a fee, Bankhaus Hallbaum AG may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. Agree with the sender who covers the fees.

International transfers from Bankhaus Hallbaum AG: the real cost

When you transfer money to another country from Bankhaus Hallbaum AG, the fee you see is only part of what you pay. There is the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. Compare their rate against the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer. GoldexPay lists these services side by side, showing the amount the recipient gets. You can still keep your account at Bankhaus Hallbaum AG as the source of the money.

Protect yourself against fake payment requests

Criminals often use fake invoices with changed bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about whether the request is genuine.

Do not rely on a phone number from the same email that announces the change. Pressure and secrecy tend to be warning signs; a genuine business can wait for you to check. If a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. Do not act before the money has really arrived.

8 or 11 characters: HALLDE2H versus HALLDE2HXXX

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. That gives you HALLDE2H, the short form of the code.

The full version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so HALLDE2HXXX and HALLDE2H are interchangeable.

Leave out spaces when you enter HALLDE2H or HALLDE2HXXX. Look out for O versus 0 or I versus 1.

Do you need HALLDE2H for a SEPA transfer?

Inside SEPA, euro payments to an account in Germany follow the same rules. A field for the BIC is usually optional or missing in that case.

You still need HALLDE2HXXX for payments in other currencies or transfers from countries outside SEPA. If your banking app has a field for the BIC anyway, adding HALLDE2H is fine.

Instant euro transfers have become widely available within SEPA; check with Bankhaus Hallbaum AG whether it applies to your account. Provided no currency is converted, the transfer tends to be inexpensive; costs rise once a conversion is involved.

When will the money arrive at Bankhaus Hallbaum AG?

How quickly a payment reaches Bankhaus Hallbaum AG depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made late in the day or on weekends and holidays often start a business day later. Compliance checks by one of the banks may also cause some delay.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Keep your transfer receipt – you will need it for any trace request.

A delayed transfer has to be investigated from the sending side on the basis of the transfer details. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.