Bankhaus Herzogpark AG SWIFT/BIC code

HERZDEM1 – the SWIFT/BIC code of Bankhaus Herzogpark AG

HERZDEM1 and HERZDEM1XXX are two spellings of the same bank identifier, and both point to Bankhaus Herzogpark AG in Muenchen. A SWIFT code tells the sending bank exactly which bank is meant to get the money, much like a postcode for banks. In daily life you usually see it on international invoices, in payment forms and on the account details that Bankhaus Herzogpark AG provides.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code on its own cannot identify an individual account holder; that is what the IBAN or account number .

When will the money arrive at Bankhaus Herzogpark AG?

An international transfer usually needs anywhere from one to several business days. Transfers sent after the cut-off time or just before a weekend or public holiday often start a business day later. Occasionally a bank asks about the purpose of a payment before releasing it.

If the money is late, contact your bank for the tracking status and the transaction reference so they can trace it along the chain. Save the payment confirmation until the recipient confirms.

If the money does not arrive within the expected time, the person who paid should start with their own bank, not the receiving bank. On the receiving end, it helps to look at your account for a partial amount.

What a transfer from Bankhaus Herzogpark AG abroad really costs

An international bank payment can cost rather more than the fee suggests. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate is often the largest cost because it is hidden in the rate. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets. You can always use your account at Bankhaus Herzogpark AG to fund the transfer; only the conversion and sending happen elsewhere.

HERZDEM1 or HERZDEM1XXX – which one to use?

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. Together, those parts form HERZDEM1.

Most banks and apps work with both lengths. If a form requires eleven characters, enter HERZDEM1XXX, otherwise HERZDEM1 is fine.

Leave out spaces, dots when you type HERZDEM1. Look out for O versus 0 and I versus 1, a common source of typos.

Before you send: check the Bankhaus Herzogpark AG code

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code with HERZDEM1 on this page.

If the code is wrong, the transfer may get stuck, bounce back or cost extra. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person; check it just as carefully.

An automatic check in your banking app merely confirms that the code exists. Where available, a name check on the recipient adds extra certainty. For a first payment, many people send a small test amount and wait for confirmation.

Paying Bankhaus Herzogpark AG in euros within SEPA

Germany is a member of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

Outside the euro and for senders outside SEPA, HERZDEM1XXX or HERZDEM1 is still required. Some banks and apps also ask for the BIC; if so, fill in HERZDEM1 or HERZDEM1XXX.

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

Choosing between the 2 SWIFT codes of Bankhaus Herzogpark AG

We have 2 SWIFT/BIC codes for Bankhaus Herzogpark AG, spread over 1 cities. Besides the head office code HERZDEM1XXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, go with HERZDEM1XXX or its short form HERZDEM1. If you have been given a specific code, stick to it instead of replacing it with the head office code.

The safest approach is to copy the code directly from the account holder’s statement. Branch codes can change over time, so a code from an old document is not always valid.

A note on our data

The details here are taken from public sources that we update regularly. It is possible that information here is no longer current, for example after a merger. Figures such as the number of codes are from our own dataset and are not confirmed by Bankhaus Herzogpark AG.

Before any payment of any size, confirm the BIC with Bankhaus Herzogpark AG or the recipient. We are an independent comparison service and not part of Bankhaus Herzogpark AG. If you notice a mistake, we welcome a message via the contact page.

What to give a sender who pays you at Bankhaus Herzogpark AG

When you are waiting for money from abroad, give the sender a complete set of details. That means: your full name as registered with Bankhaus Herzogpark AG, your IBAN or account number, the BIC HERZDEM1XXX (or HERZDEM1) and sometimes your address.

It helps to include Bankhaus Herzogpark AG and its city as well, because some payment forms have separate fields for them. Check every detail before you share them.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ from bank to bank; check the price list of Bankhaus Herzogpark AG. For business payments, you can agree how the fees are split, so that nobody is left short.

Sending EUR to Bankhaus Herzogpark AG

Most accounts at Bankhaus Herzogpark AG are typically held in EUR, the national currency. A payment in a foreign currency will be exchanged into EUR. There is rarely a separate line for that conversion; it is built into the rate.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Often you pay less if you send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Rates for EUR change during the day – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over a year.

Protect yourself against fake payment requests

Fraudsters often send fake invoices containing changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify a change of bank details by phone, using a number you already had. Pressure and secrecy tend to be red flags; a genuine business can wait for you to check. When a payment was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Fraud can also target the receiver. Someone sends too much and wants you to return the extra via a different route. A payment confirmation from the sender is no proof.