Hauck und Aufhauser Privatbankiers AG SWIFT/BIC code

HAUKDEFF – the SWIFT/BIC code of Hauck und Aufhauser Privatbankiers AG

HAUKDEFF and HAUKDEFFXXX are two ways of writing the same SWIFT/BIC code, and both lead to Hauck und Aufhauser Privatbankiers AG in Frankfurt Am Main. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. It comes up mostly for payments that cross a border and payments in foreign currencies.

This page is meant to help people who sends money to an account at Hauck und Aufhauser Privatbankiers AG and wants to get the details right. Remember that the SWIFT code just identifies the bank, not the account: the account number or IBAN does that part.

Incoming international payments to Hauck und Aufhauser Privatbankiers AG

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, HAUKDEFFXXX and in many cases your postal address.

Their bank might request the address of your bank, in which case the Frankfurt Am Main head office is the usual answer. A typo in your account number is harder to fix than you might think.

Money from abroad does not always land for the full amount. Correspondent banks can take a fee, Hauck und Aufhauser Privatbankiers AG may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. For business payments, it is common to agree how the fees are split.

Before you send: check the Hauck und Aufhauser Privatbankiers AG code

The most reliable place for the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code with HAUKDEFF on this page and ask if anything does not match.

Mistakes in the BIC tend to be costly rather than fatal. Do not forget the account number: a mistake there is more difficult to correct than a wrong BIC.

An automatic check by your bank only tells you that the IBAN exists, not that it is the right account. Where available, a name check before sending gives extra certainty. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

Euro transfers to Hauck und Aufhauser Privatbankiers AG: is a BIC needed?

Germany is part of the SEPA area. For a standard euro transfer within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

A SWIFT code like HAUKDEFF does matter for payments in other currencies. If a payment form asks for the BIC anyway, adding HAUKDEFF does no harm.

Euro payments within SEPA normally land by the next business day. Fees for SEPA payments tend to be low as long as everything stays in euros.

Sending money abroad from Hauck und Aufhauser Privatbankiers AG

A bank transfer abroad costs rather more than the fee suggests. On top of the transfer fee, banks in between can deduct a fee, and when currencies are converted the bank often uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a bank, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives on GoldexPay. Choosing a specialist does not require leaving Hauck und Aufhauser Privatbankiers AG – you pay the provider from your own account.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message claiming that a contact has a new bank account and that the next payment should go there. A correct SWIFT code says nothing about who owns the account.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Urgency or secrecy are warning signs – a real supplier can wait a day. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to send back the difference. Do not act before the money has really arrived.

About this information

This directory is compiled from publicly available sources and we update it periodically. Institutions merge, close branches and retire codes, and a directory never catches every change immediately. The number of codes we show are based on what is in our directory, not official figures from Hauck und Aufhauser Privatbankiers AG.

Use this page as a starting point, not as the final word: the recipient’s bank details come first. GoldexPay has no connection to Hauck und Aufhauser Privatbankiers AG; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page.

HAUKDEFF or HAUKDEFFXXX – which one to use?

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. Combined, these eight characters make up HAUKDEFF – the version you usually see online.

The long version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, which is why HAUKDEFFXXX and HAUKDEFF lead to the same place.

In practice the code is written in capitals. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Which of the 3 codes of Hauck und Aufhauser Privatbankiers AG do you need?

With 3 codes in 1 locations, Hauck und Aufhauser Privatbankiers AG belongs to the banks that use separate codes for branches. The head office code is HAUKDEFFXXX.

For the vast majority of payments to a private or business account, the head office code HAUKDEFFXXX works fine. Branch codes are only needed when the account holder explicitly mentions it.

The safest route is to take the code directly from the recipient’s statement. Branch codes can change when banks reorganise.

Transfer times and tracking a payment to Hauck und Aufhauser Privatbankiers AG

How fast a payment arrives at Hauck und Aufhauser Privatbankiers AG depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. 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 what the payment is for before releasing it.

If a transfer seems late, ask your bank for the tracking status. Money transfer services usually provide a status in their app showing where the payment has got.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it rather than Hauck und Aufhauser Privatbankiers AG. Ask the sender for a copy of the payment confirmation including the reference – it helps your own bank look for the money.

The Euro and what conversion costs you

Germany pays in the Euro. A payment in a foreign currency will be converted into EUR. Every conversion costs something.

Who does the conversion has an effect on the final amount. Often you pay less to send EUR directly via a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

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.