Foerde Sparkasse SWIFT/BIC code

Foerde Sparkasse SWIFT code: NOLADE21

NOLADE21 and NOLADE21ECK are two ways of writing the same SWIFT/BIC code, and both lead to Foerde Sparkasse in Eckernfoerde. A BIC has a single purpose: it ensures that an international payment reaches the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

On this page you can read what the code is put together, when you need it and which other details a transfer to or from Foerde Sparkasse requires. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number .

Do you need NOLADE21 for a SEPA transfer?

Germany is part of the SEPA area. When you send euros within SEPA, the IBAN is usually enough.

Outside the euro and for senders outside SEPA, NOLADE21ECK or NOLADE21 remains part of the payment details. A few forms also ask for the BIC out of habit; if so, fill in NOLADE21.

Instant payments in euros are increasingly available across SEPA – whether Foerde Sparkasse offers them for your account is worth checking. As long as the payment stays in euros, a SEPA transfer tends to be cheap; it is the conversion that costs money.

Getting paid from abroad into a Foerde Sparkasse account

When you are waiting for a payment from another country, give the sender a complete set of details. The basics are: the account holder’s name, IBAN or account number, NOLADE21ECK and often your postal address.

Some banks want the bank’s address in Eckernfoerde. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be less than what was sent. Correspondent banks can take a fee, Foerde Sparkasse may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. On invoices, you can agree how the fees are split.

Scams that use SWIFT codes

Be wary if a contact suddenly wants you to pay into a different account. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust a phone number in the same message that contains the new account. Pressure and requests to keep it quiet are warning signs. When money was sent to the wrong account, contact your bank immediately.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to send back the difference abroad. Do not act before the money has really arrived and check with Foerde Sparkasse if anything seems off.

Choosing between the 3 SWIFT codes of Foerde Sparkasse

Our database contains 3 SWIFT/BIC codes for Foerde Sparkasse. Besides the head office code NOLADE21ECK, there are codes for branches, departments or specific services.

In most cases there is no need to pick a branch: transfers sent to NOLADE21ECK reach Foerde Sparkasse correctly. Only use a branch code when the account holder explicitly asks for it.

The best way is to take the code straight from the account holder’s bank details. Codes for branches are more prone to change than NOLADE21ECK.

How long does an international transfer to Foerde Sparkasse take?

There is no fixed answer: some land the same day or the next, others take several business days. Bank holidays in either country add extra days. Compliance checks on larger or unusual payments may also cause a delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

Only the sending bank is able to start an official trace or a recall. On the receiving end, you can look at your account to see a slightly lower amount, since fees may have been deducted.

Euro (EUR) and conversion costs

Accounts at Foerde Sparkasse are typically held in EUR, the local currency. If you send money in a different currency it gets converted somewhere along the way – by your bank, by Foerde Sparkasse or by a bank in between. There is rarely a separate line for that conversion; it is built into the rate.

Where the conversion happens affects how much arrives. In many cases it is cheaper to send EUR directly through a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates move all the time – some services let you fix a rate in advance. If you pay regularly, small differences in the rate add up over time.

How up to date is this code?

The details here are taken from publicly available data that we update regularly. Institutions merge, close branches and retire codes. Figures such as the number of codes come from our own dataset and are not confirmed by Foerde Sparkasse.

Treat our data as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is not affiliated with Foerde Sparkasse; we are a comparison site for money transfers. Found an error? Let us know via our contact form and we will look into it.

Why Foerde Sparkasse has an 8- and an 11-character code

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location, plus an optional branch code. Together, these eight characters make up NOLADE21.

Many banks and apps work with both lengths. If a form asks for eleven characters, use NOLADE21ECK.

Type the code in one piece, in capitals and without separators, exactly as shown here. Copying the code is safer than retyping it: a typo can point to another bank.

Is NOLADE21 still correct? How to check

Have the recipient copy their account details directly from a recent statement. Compare it against NOLADE21 on this page and ask if anything does not match.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else.

A validity check by your bank only confirms that the code exists. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. For a first payment, many people send a small test amount.

Paying someone abroad from your Foerde Sparkasse account

An international bank payment can cost more than the fee suggests. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup when the money is converted.

The markup on the rate is often the biggest item, and it is easy to miss. Compare their rate with the mid-market rate.

Specialised transfer providers often offer a rate near the mid-market rate and lower fees. On GoldexPay you can compare the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Foerde Sparkasse – you pay the provider from your own account.