Duesseldorfer Hypothekenbank AG SWIFT/BIC code

What DHYPDEDD means for a payment to Duesseldorfer Hypothekenbank AG

DHYPDEDD and DHYPDEDDXXX are the short and the long form of the same bank identifier, and both lead to Duesseldorfer Hypothekenbank AG in Duesseldorf. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money. You will need it mainly when dealing with transfers between countries.

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

Duesseldorfer Hypothekenbank AG: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Duesseldorfer Hypothekenbank AG. Besides the head office code DHYPDEDDXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code DHYPDEDDXXX is the right choice. When you receive a specific code, stick to it rather than swapping it for the head office code.

The best way is to copy the code straight from the recipient’s statement. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Verifying the SWIFT code of Duesseldorfer Hypothekenbank AG

The safest source for the BIC is the bank details provided by the recipient. If the code you have does not match DHYPDEDD or DHYPDEDDXXX, stop and ask.

If the code is wrong, the transfer may get stuck, be returned or cost extra. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person.

A validity check by your bank merely confirms that the IBAN is valid, not that it is the right account. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, many people start with a small test amount and wait for confirmation.

Getting paid from abroad into a Duesseldorfer Hypothekenbank AG account

If you are waiting for money from abroad, send the payer all details at once. Give them the account holder’s name, the IBAN or account number, SWIFT code DHYPDEDDXXX and your address, which some banks require.

The sender’s bank may request the bank address of Duesseldorfer Hypothekenbank AG. Double-check the details before you share them.

Money from abroad will not always land in full. Charges on incoming payments vary from bank to bank – the price list of Duesseldorfer Hypothekenbank AG tells you what applies. On invoices, it is common to agree how the fees are split, so that nobody is left short.

Changed bank details? Be careful

Stay alert if someone suddenly asks you to pay into a different account or a bank in another country. The fact that DHYPDEDD exists does not mean that the account is genuine.

Do not rely on contact details from the same email that contains the change. Pressure or secrecy are warning signs. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Fraud can also work the other way: someone sends more than agreed and asks you to refund the difference via a different route. Wait until the money has really arrived – ask Duesseldorfer Hypothekenbank AG if something looks wrong.

8 or 11 characters: DHYPDEDD versus DHYPDEDDXXX

A BIC is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and characters seven and eight mark the location. Together, those parts make up DHYPDEDD, the code most people search for.

The long version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why DHYPDEDDXXX and DHYPDEDD lead to the same place.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. A wrong character can send the money to a different institution, so check it twice.

Euro (EUR) and conversion costs

The national currency in Germany is the Euro (EUR). If you send another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Duesseldorfer Hypothekenbank AG itself. Each conversion eats into the amount.

Who does the conversion affects the final amount, since every bank sets its own rate. Check what EUR arrives with different providers; the difference between options can be larger than you expect.

Exchange rates move all the time – some services let you fix a rate in advance. For recurring payments, small differences in the rate make a real difference over time.

International transfers from Duesseldorfer Hypothekenbank AG: the real cost

An international bank payment costs rather more than the listed fee. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the biggest item, and it is easy to miss. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many currency pairs, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay lists these services next to each other so you can see what actually arrives for the same amount sent. Using a transfer service does not mean leaving Duesseldorfer Hypothekenbank AG – you pay the provider from your own account.

About this information

The details here are taken from public sources which we refresh regularly. It can happen that information here is out of date. Counts and locations come from our own dataset and may differ from what Duesseldorfer Hypothekenbank AG publishes.

Treat the information here as a handy check and rely on the recipient or Duesseldorfer Hypothekenbank AG for the final confirmation. GoldexPay has no connection to Duesseldorfer Hypothekenbank AG; we are a comparison site for money transfers. Found outdated information? Tell us via our contact form.

Do you need DHYPDEDD for a SEPA transfer?

Germany belongs to the Single Euro Payments Area (SEPA), the zone for standardised euro payments. When you send euros from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

You still need DHYPDEDDXXX when sending non-euro payments or transfers from countries outside SEPA. If your banking app has a field for the BIC regardless, adding DHYPDEDD does no harm.

SEPA transfers normally land by the next business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, a SEPA transfer is cheap; costs rise once a conversion is involved.

When will the money arrive at Duesseldorfer Hypothekenbank AG?

There is no single answer: some arrive the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Extra checks by one of the banks can also cause some delay, even when all details are correct.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the money has arrived.

The bank that sent the money is able to start an official trace or a recall. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.