Berliner Sparkasse - Landesbank Berlin AG SWIFT/BIC code

BELADEBE – the SWIFT/BIC code of Berliner Sparkasse - Landesbank Berlin AG

BELADEBE and BELADEBEXXX are the short and the long form of the same SWIFT/BIC code, and both point to Berliner Sparkasse - Landesbank Berlin AG in Berlin. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page you will find how the code is put together, when you need it and what else a transfer to or from Berliner Sparkasse - Landesbank Berlin AG requires. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

What a transfer from Berliner Sparkasse - Landesbank Berlin AG abroad really costs

An international bank payment costs more than the fee suggests. There is the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Many banks do not list the margin on the rate separately, but you pay it all the same. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate with clearer fees. Next time you send money, it is worth to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require closing your account at Berliner Sparkasse - Landesbank Berlin AG – you pay the provider from your own account.

A note on our data

We gather bank codes from public sources and check them regularly. Institutions merge, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our own dataset.

Treat our directory here as a handy check and rely on the recipient or Berliner Sparkasse - Landesbank Berlin AG for the final confirmation. We are an independent comparison service for money transfers and not affiliated with Berliner Sparkasse - Landesbank Berlin AG. Found an error? Let us know through the contact page.

Before you send: check the Berliner Sparkasse - Landesbank Berlin AG code

Have the recipient copy their account details directly from their online banking. If the code you have does not match BELADEBE or BELADEBEXXX, stop and ask: check with the recipient or with Berliner Sparkasse - Landesbank Berlin AG directly.

Mistakes in the BIC are annoying more than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

Most online banking apps check the format of IBANs and some suggest the matching BIC. Where available, a name check before sending adds extra certainty. A small test payment is a sensible step for a large first payment.

Do you need BELADEBE for a SEPA transfer?

Since Germany is in SEPA, a euro transfer into Berliner Sparkasse - Landesbank Berlin AG from within the SEPA area normally requires just the IBAN. Many banks do not require the BIC for these payments.

You will still need BELADEBEXXX for payments in other currencies or transfers from countries outside SEPA. A few forms also show a field for the BIC; in that case, fill in BELADEBE or BELADEBEXXX.

Instant euro transfers have become widely supported within SEPA. As long as the payment stays in euros, the transfer tends to be inexpensive; costs rise once a conversion is involved.

How long does an international transfer to Berliner Sparkasse - Landesbank Berlin AG take?

An international transfer usually takes one to a few business days. Bank holidays in the sending or receiving country add a day or more to the journey. Compliance checks on larger or unusual payments can also add some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique transaction reference, the UETR. Specialist transfer services usually show a status online so you can see where the payment has got.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt – it helps your own bank look for the money.

Choosing between the 7 SWIFT codes of Berliner Sparkasse - Landesbank Berlin AG

Berliner Sparkasse - Landesbank Berlin AG has 7 different SWIFT/BIC codes across 1 cities. One of them is the head office code, BELADEBEXXX; the others belong to branches or departments.

Unless the recipient tells you otherwise, use BELADEBEXXX. Only use a branch code when the recipient explicitly asks for it.

The safest route is to copy the code directly from the account holder’s invoice. Branch codes can change when banks reorganise, so do not rely on old paperwork.

BELADEBE or BELADEBEXXX – which one to use?

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, the next two show the country and the two after that mark the location. Combined, those parts make up BELADEBE.

XXX at the end of BELADEBEXXX does not stand for a missing value or a mistake: it indicates the main office of Berliner Sparkasse - Landesbank Berlin AG. Some banking apps ask for 11 characters, in which case you can enter XXX behind BELADEBE.

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

Protect yourself against fake payment requests

Fraudsters regularly use payment requests with changed bank details, sometimes in an email that looks completely genuine. That BELADEBE is a real code is no guarantee that the account is genuine; criminals use the codes of real banks too.

Always confirm a change of bank details by phone. Pressure or secrecy are red flags – a real supplier can wait a day. Already paid? Contact your bank straight away and ask them to try to recall the payment.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to send back the difference to another account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Receiving money from abroad at Berliner Sparkasse - Landesbank Berlin AG

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. Share the account holder’s name, your account number or IBAN, SWIFT code BELADEBEXXX and your address, which some banks require.

You can include the bank name and its city too, since some forms ask for it. A typo in the IBAN is harder to fix than it looks, 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 Berliner Sparkasse - Landesbank Berlin AG tells you what applies. On invoices, you can state who bears the costs to avoid a shortfall.

Sending EUR to Berliner Sparkasse - Landesbank Berlin AG

Germany pays in the Euro, with the currency code EUR. A payment in a foreign currency is converted into EUR on its way to Berliner Sparkasse - Landesbank Berlin AG, and whoever converts it chooses the rate. There is rarely a separate line for the conversion.

Which bank converts the payment makes a difference: every bank has its own margin. Check what EUR the recipient gets with several providers; the difference between options can be larger than you expect.

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