Deutsche Apotheker- und Aerztebank SWIFT/BIC code

DAAEDEDD – the SWIFT/BIC code of Deutsche Apotheker- und Aerztebank

DAAEDEDD and DAAEDEDDXXX are two spellings of the same SWIFT/BIC code, and both point to Deutsche Apotheker- und Aerztebank in Duesseldorf. A SWIFT code shows the sending bank exactly which bank is meant to get the money. It comes up mainly for payments that cross a border and payments in foreign currencies.

Further down we go through the practical questions: receiving money at Deutsche Apotheker- und Aerztebank, sending money abroad and how to check a SWIFT code before you hit send. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

Transfer times and tracking a payment to Deutsche Apotheker- und Aerztebank

There is no fixed delivery time: many arrive the same day or the next. Weekends and public holidays in either country can add a day or more. Occasionally a bank asks about the purpose of a payment.

If the money seems delayed, ask your bank for the tracking status or the UETR. Specialist transfer services often provide a status in their app so you can see where the payment is.

If a payment has not arrived within the expected time, the person who paid should start with their own bank. Ask the sender for a copy of the payment confirmation with the date and reference.

Euro transfers to Deutsche Apotheker- und Aerztebank: is a BIC needed?

Germany is a member of the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

A SWIFT code like DAAEDEDD still come into play for payments in other currencies and when the money comes from outside SEPA. If your banking app has a field for the BIC anyway, adding DAAEDEDD does no harm.

Instant payments in euros are widely supported within SEPA. Charges on SEPA payments are generally low.

Getting paid from abroad into a Deutsche Apotheker- und Aerztebank account

If you are waiting for a payment from another country, send the payer everything they need in one go. That means: your full name as registered with Deutsche Apotheker- und Aerztebank, your IBAN or account number, the BIC DAAEDEDDXXX (or DAAEDEDD) and usually your postal address.

You can add the bank name and its city as well, because some payment forms have separate fields for them. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. For business payments, you can state who bears the costs, so that nobody is left short.

Sending EUR to Deutsche Apotheker- und Aerztebank

Germany uses the Euro, code EUR. Money sent in a different currency is converted into EUR before it reaches the account. There is rarely a separate line for the conversion.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Transferring the amount directly in EUR usually avoids an extra conversion at the receiving end.

Exchange rates move all the time. On larger amounts, a small gap in the rate adds up quickly.

Which of the 52 codes of Deutsche Apotheker- und Aerztebank do you need?

Our directory lists 52 SWIFT/BIC codes for Deutsche Apotheker- und Aerztebank. Next to the head office code DAAEDEDDXXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, go with DAAEDEDDXXX or its short form DAAEDEDD. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more likely to change than the head office code.

About this information

The details here are taken from publicly available data which we refresh regularly. Still, banks merge, rename themselves or change codes. The number of codes we show reflect what is in our directory and not on information from Deutsche Apotheker- und Aerztebank itself.

Before a payment that matters, always check the code with the recipient’s bank or the recipient. We are an independent comparison site and not part of Deutsche Apotheker- und Aerztebank. If you notice something that is out of date, we welcome a message via the contact page.

What the XXX in DAAEDEDDXXX means

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. In this case, the 8-character core is DAAEDEDD.

XXX at the end of DAAEDEDDXXX is not a placeholder or an error: it stands for the main office of Deutsche Apotheker- und Aerztebank. Some banking apps ask for 11 characters, and then you simply add XXX behind DAAEDEDD.

Leave out spaces or dashes when you enter DAAEDEDD; the code is always written in one block. A single character may route a payment to a different institution, so copy it carefully.

Watch out for payment fraud

Stay wary when a contact unexpectedly asks you to pay into another account abroad. A correct SWIFT code tells you nothing about whether the request is genuine.

Verify new bank details via a separate channel. Pressure or secrecy are red flags; a genuine business can wait for you to check. When money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. Do not act before the money is actually in your account – ask Deutsche Apotheker- und Aerztebank if something looks wrong.

Paying someone abroad from your Deutsche Apotheker- und Aerztebank account

What you pay for a payment abroad has more than one component. On top of the transfer fee, correspondent or intermediary banks can take a cut, and when currencies are converted the bank usually applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service is less expensive than a bank. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Choosing a specialist does not require leaving Deutsche Apotheker- und Aerztebank – you pay the provider from your own account.

How to check DAAEDEDD before you pay

Ask the recipient to send you their bank details directly from a recent statement. If the code you have differs from DAAEDEDD or DAAEDEDDXXX, stop and ask – contact the recipient or Deutsche Apotheker- und Aerztebank.

Errors in the BIC tend to be annoying more than fatal: often the payment comes back, minus fees. Do not forget the IBAN: a mistake there is harder to undo than a wrong BIC.

Most online banking apps check the structure of IBANs – that confirms the format, not the owner. Where available, a name check before sending gives extra certainty. A small test payment is worth it for a large first payment.