Hallertauer Volksbank EG SWIFT/BIC code

Hallertauer Volksbank EG SWIFT code: HAVBDE81

The short code HAVBDE81 and the 11-character code HAVBDE81XXX identify the same bank: Hallertauer Volksbank EG, with its head office in Rohrbach. The code does one job: it makes sure that money from abroad ends up at the right bank. It comes up mostly for payments that cross a border and payments in foreign currencies.

We wrote this page to help people who receives money at an account at Hallertauer Volksbank EG without mistakes. A SWIFT code names a bank or branch, not a specific account.

Euro transfers to Hallertauer Volksbank EG: is a BIC needed?

Germany is part of the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need HAVBDE81XXX when sending non-euro payments or transfers from countries outside SEPA. Some forms still show a field for the BIC; in that case, enter HAVBDE81.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low as long as everything stays in euros.

Before you send: check the Hallertauer Volksbank EG code

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. Check it against HAVBDE81 on this page.

Errors in the SWIFT code are costly rather than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

An automatic check in your banking app only tells you that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a name check before sending adds an extra layer of safety. When you pay someone new, some people start with a small test amount.

Incoming international payments to Hallertauer Volksbank EG

If you expect a payment from another country, give the sender everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, the BIC HAVBDE81XXX and your address.

Their bank might request the address of your bank; the head office in Rohrbach is usually fine. A mistake in your account number can be harder to fix than it looks.

The amount you receive is often lower than what was sent. Charges on incoming payments differ per bank. Agree with the sender who covers the fees.

Head office or branch code at Hallertauer Volksbank EG?

Our database contains 2 SWIFT/BIC codes for Hallertauer Volksbank EG in 2 places. Besides the head office code HAVBDE81XXX, there are codes for individual branches and departments.

Unless the recipient tells you otherwise, use HAVBDE81XXX or its short form HAVBDE81. A branch code only makes sense when the recipient’s bank specifically mentions it.

The safest approach is to copy the code directly from the recipient’s statement. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

What the XXX in HAVBDE81XXX means

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. Together, those parts make up HAVBDE81 – the version you usually see online.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Watch for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Euro (EUR) and conversion costs

The local currency in Germany is the Euro (EUR). When you pay money in a different currency gets converted at some point: by your bank, an intermediary or Hallertauer Volksbank EG itself. There is rarely a separate line for the conversion – the cost sits in the rate.

Which bank converts the payment matters, because each party uses its own rate. In many cases you pay less if you send EUR straight away through a transfer service with a good rate.

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

Where our SWIFT data comes from

We gather bank codes using publicly available data and check them from time to time. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory.

For a payment that matters, always confirm the code with Hallertauer Volksbank EG or with the recipient. GoldexPay is independent of Hallertauer Volksbank EG; we are a comparison site for money transfers. Found outdated information? Let us know via our contact form so we can correct it.

Scams that use SWIFT codes

Criminals often send payment requests with new bank details. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check new payment details through a different channel, never via the email that asked for the change. Urgency or secrecy are warning signs. If money has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference. Wait until the money has really arrived.

Sending money abroad from Hallertauer Volksbank EG

A bank transfer abroad can cost rather more than the listed fee. On top of the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency the bank often uses a rate that is less favourable than the actual market rate.

Banks rarely list their exchange rate markup as a cost, but you pay it all the same. A simple test: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean closing your account at Hallertauer Volksbank EG – you pay the provider from your own account.

Tracking a transfer to or from Hallertauer Volksbank EG

An international transfer typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday usually start a business day later. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt – you will need it for any trace request.

If a payment has not arrived within the expected time, the sender should start with the bank that sent it. As a recipient, it helps to check your account for a slightly lower amount because fees can reduce the amount.