Hamburger Sparkasse AG SWIFT/BIC code

HASPDEHH – the SWIFT/BIC code of Hamburger Sparkasse AG

The 8-character code HASPDEHH and the 11-character code HASPDEHHXXX refer to the same bank: Hamburger Sparkasse AG. A SWIFT code shows every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. In daily life you mostly come across it on invoices from abroad, in your banking app and in the bank details that Hamburger Sparkasse AG provides.

We wrote this page to help anyone who receives money at an account at Hamburger Sparkasse AG without mistakes. A SWIFT code identifies a bank or branch, not a specific account, which is why you always need the account number too.

Paying someone abroad from your Hamburger Sparkasse AG account

When you send money abroad via Hamburger Sparkasse AG, the visible fee is only part of what you pay. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

The markup on the rate is often the largest item. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is less expensive than a bank – mostly thanks to the rate. On GoldexPay we compare the amount that arrives across services. You can always use your account at Hamburger Sparkasse AG to fund the transfer, while a cheaper service handles the conversion.

Which of the 4 codes of Hamburger Sparkasse AG do you need?

Our directory lists 4 SWIFT/BIC codes for Hamburger Sparkasse AG, spread over 3 locations. Besides the head office code HASPDEHHXXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, use HASPDEHHXXX or its short form HASPDEHH. A branch code only makes sense when the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Before you send: check the Hamburger Sparkasse AG code

Ask the recipient to copy the account details directly from a recent statement. If the code you have differs from HASPDEHH or HASPDEHHXXX, do not guess.

With a wrong code, the payment may get stuck, be returned or end up costing more. Do not forget the account number: a mistake there is more difficult to correct than a wrong code.

An automatic check in your banking app only tells you that the IBAN exists, not that it is the right account. If your bank offers it, a payee name check before sending adds extra certainty. When you pay someone new, many people start with a small test amount.

Euro (EUR) and conversion costs

Germany uses the Euro (EUR). When you pay another currency it gets converted somewhere along the way: by your bank, an intermediary or Hamburger Sparkasse AG itself. Every conversion eats into something, even when no fee is shown.

Which bank converts the money makes a difference. Transferring the amount already in EUR usually avoids an extra conversion – as long as your own rate is good.

Exchange rates move all the time. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.

Protect yourself against fake payment requests

Criminals regularly send payment requests containing new bank details. The fact that HASPDEHH exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Do not trust a phone number in the same message that announces the change. Pressure and requests to keep it quiet are warning signs; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from straight away and ask them to start a recall and report the fraud.

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

When will the money arrive at Hamburger Sparkasse AG?

A SWIFT payment usually needs one to a few business days. Payments made after the cut-off time or on weekends and holidays usually go out a business day later. Extra checks on larger or unusual payments can also add a delay.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online so you can see how far the payment has got.

The bank that sent the money can start an official trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, you can look at your account for a partial amount because fees can reduce the amount.

About this information

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Banks merge, close branches and change codes – a directory can be a step behind. Counts and locations are from our own dataset and are not confirmed by Hamburger Sparkasse AG.

See the information here as a handy check, and let the details from the recipient or Hamburger Sparkasse AG have the final say. GoldexPay is an independent comparison site and not affiliated with Hamburger Sparkasse AG. Spotted outdated information? Let us know through the contact page so we can correct it.

Getting paid from abroad into a Hamburger Sparkasse AG account

If you expect a payment from another country, send the payer all details at once. The basics are: the account holder’s name, IBAN or account number, HASPDEHHXXX and often your home address.

Their bank may also ask for the bank address of Hamburger Sparkasse AG. Double-check each detail before you send them.

Do not be surprised if the amount credited is smaller than what the sender paid. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Agree with the sender who covers the fees.

HASPDEHH or HASPDEHHXXX – which one to use?

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. That gives you HASPDEHH for Hamburger Sparkasse AG.

Many payment forms accept both lengths. If yours asks for eleven characters, enter HASPDEHHXXX.

Do not add spaces or dashes when you type HASPDEHH; the code is always written in one block. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

Euro transfers to Hamburger Sparkasse AG: is a BIC needed?

Germany is part of the SEPA area, the zone for standardised euro payments. When you send euros from another SEPA country, the IBAN is usually enough.

Outside the euro and from non-SEPA countries, HASPDEHHXXX remains required. If a payment form asks for the BIC regardless, adding HASPDEHH is fine.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Fees for SEPA transfers tend to be low.