Bremer Kreditbank AG SWIFT/BIC code

What BANVDEHB means for a payment to Bremer Kreditbank AG

Whether you are given BANVDEHB or BANVDEHBXXX, it is the same address for Bremer Kreditbank AG in Germany. A SWIFT code tells the sending bank which institution should receive the money, a bit like a postal address for banks. In daily life you mostly come across it on international invoices, in payment forms and on the account details of Bremer Kreditbank AG customers.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to verify the code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

The Euro and what conversion costs you

Germany uses the Euro (EUR). Money sent in a different currency is exchanged into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate line for the conversion; it is built into the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. Check how much EUR arrives with different services before choosing one.

Rates for EUR move all the time – some services let you fix a rate in advance. With bigger transfers, even seemingly small difference in the rate adds up quickly.

Why Bremer Kreditbank AG has an 8- and an 11-character code

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. Together, those parts form BANVDEHB, the code most people search for.

The 11-character version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, so BANVDEHBXXX and BANVDEHB are interchangeable.

Type the code as one block, in capitals and without spaces. Watch for O versus 0 and I versus 1, a common source of typos.

How long does an international transfer to Bremer Kreditbank AG take?

An international transfer typically needs one to a few business days. Bank holidays in the sending or receiving country add a day or more to the journey. Sometimes a bank asks what the payment is for.

A growing number of banks are connected to SWIFT gpi. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the money has arrived – you will need it for any trace request.

A delayed transfer is investigated from the sending side, using the payment confirmation. As a recipient, you can look at your statements for a slightly lower amount because fees can reduce the amount.

What to give a sender who pays you at Bremer Kreditbank AG

If you expect money from abroad, give the sender all details at once. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC BANVDEHBXXX and usually your address.

The sender’s bank might request the bank address of Bremer Kreditbank AG; the head office in Bremen is usually fine. A typo in the IBAN can be more trouble than you might think; copy them from your banking app rather than typing.

An incoming payment does not always land in full. Charges on incoming payments differ per bank – the price list of Bremer Kreditbank AG tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

Watch out for payment fraud

A common scam goes like this: an email arrives with a request saying that a supplier now has new bank details and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Do not trust contact details in the same message that contains the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When a payment has already gone to a fraudster, contact your bank immediately.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference to another account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Bremer Kreditbank AG: head office code versus branch codes

Bremer Kreditbank AG has 5 different SWIFT/BIC codes across 4 cities. Only one is the head office code; the others identify branches or departments, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code BANVDEHBXXX is what you need. Just use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code to use? Ask the recipient or the bank itself. Codes can change when banks reorganise, so a code from an old document is not always valid.

A note on our data

Our SWIFT/BIC directory is based on public sources and is updated regularly. Still, banks merge or retire codes, so information can be out of date. The figures on this page reflect what is in our directory, not official figures from Bremer Kreditbank AG.

Use this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is a comparison site for money transfers and not affiliated with Bremer Kreditbank AG. Found outdated information? Tell us via our contact form so we can correct it.

Is BANVDEHB still correct? How to check

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 BANVDEHB or BANVDEHBXXX, do not guess: check with the recipient or with Bremer Kreditbank AG directly.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees along the way. An error in the IBAN or account number is a bigger problem; check it just as carefully.

An automatic check in your banking app only confirms that the code exists. If your bank offers it, a name check on the recipient adds extra certainty. A small test payment is worth it for a large first payment.

Sending money abroad from Bremer Kreditbank AG

If you send money abroad through Bremer Kreditbank AG, the visible fee is rarely all of what you pay. On top of the transfer fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank often applies a rate below the real market rate.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. An easy check: set the rate you get next to the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. On GoldexPay you can compare the amount that arrives across providers. Using a transfer service does not require closing your account at Bremer Kreditbank AG: you simply pay the service from your account.

SEPA payments and the Bremer Kreditbank AG BIC

Because Germany is in SEPA, a euro transfer to Bremer Kreditbank AG from within the SEPA area usually only needs an IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

You still need BANVDEHBXXX when sending payments in other currencies or money from outside the SEPA area. Some banks and apps still show a field for the BIC out of habit; in that case, enter BANVDEHB or BANVDEHBXXX.

SEPA transfers normally land by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low.