Ikano Bank AB (Publ), Zweigniederlassung Deutschland SWIFT/BIC code

PLFGDE51 – the SWIFT/BIC code of Ikano Bank AB (Publ), Zweigniederlassung Deutschland

Whether you are given PLFGDE51 or PLFGDE51XXX, you are looking at the identical identifier for Ikano Bank AB (Publ), Zweigniederlassung Deutschland in Germany. A BIC does one job: it ensures that money from abroad reaches the right bank. In daily life you usually come across the code on invoices from abroad, in payment forms and in the bank details of Ikano Bank AB (Publ), Zweigniederlassung Deutschland customers.

On this page you will find what the code means, when you need it and what else you need for a transfer to or from Ikano Bank AB (Publ), Zweigniederlassung Deutschland. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Getting paid from abroad into a Ikano Bank AB (Publ), Zweigniederlassung Deutschland account

If 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, PLFGDE51XXX and, for some countries, your home address.

Certain banks also ask for the address of Ikano Bank AB (Publ), Zweigniederlassung Deutschland; it does no harm to include it. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always land for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.

Transfer times and tracking a payment to Ikano Bank AB (Publ), Zweigniederlassung Deutschland

A SWIFT payment usually takes one to a few business days. Bank holidays in either country can add extra days. Occasionally a bank wants to know what the payment is for, which can hold things up.

If a transfer seems delayed, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Specialist transfer services usually provide tracking in their app showing where the money is.

The bank that sent the money is able to request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

SEPA payments and the Ikano Bank AB (Publ), Zweigniederlassung Deutschland BIC

Inside SEPA, euro transfers to Ikano Bank AB (Publ), Zweigniederlassung Deutschland use the same rules, so the IBAN does the job in most cases. The BIC field is usually optional or missing for those payments.

For anything other than euros and for senders outside SEPA, PLFGDE51XXX or PLFGDE51 remains part of the payment details. A few banks and apps still show a field for the BIC; if so, enter PLFGDE51 or PLFGDE51XXX.

Instant payments in euros are widely available within SEPA. As long as the payment stays in euros, the transfer tends to be inexpensive; costs rise once a conversion is involved.

Why Ikano Bank AB (Publ), Zweigniederlassung Deutschland has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. Together, those parts make up PLFGDE51.

The 11-character version has three more characters for a branch or department. When those three characters are XXX, they simply mean the head office, so PLFGDE51XXX and PLFGDE51 are interchangeable.

As a rule the code is typed in capitals, without spaces or dashes. Pasting the code beats retyping it, because one wrong letter changes the bank.

How up to date is this code?

We collect bank codes using public sources and update our list regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The number of codes on this page are based on our own data and not on information from Ikano Bank AB (Publ), Zweigniederlassung Deutschland itself.

Treat our directory here as a handy check. GoldexPay has no connection to Ikano Bank AB (Publ), Zweigniederlassung Deutschland, we only compare transfer services. Found outdated information? Tell us through the contact page and we will look into it.

Head office or branch code at Ikano Bank AB (Publ), Zweigniederlassung Deutschland?

Ikano Bank AB (Publ), Zweigniederlassung Deutschland uses 3 separate SWIFT/BIC codes. One of them is the head office code, PLFGDE51XXX; the others identify branches.

If nobody asks you for a branch code, go with PLFGDE51XXX. Just use a branch code when the account holder gives you that exact code.

The best way is to copy the code straight from the recipient’s statement. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Sending money abroad from Ikano Bank AB (Publ), Zweigniederlassung Deutschland

A bank transfer abroad costs rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank usually uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares transfer providers next to each other, showing what actually arrives. You can always keep your account at Ikano Bank AB (Publ), Zweigniederlassung Deutschland to fund the transfer; only the conversion and sending happen elsewhere.

Watch out for payment fraud

Stay alert when a contact suddenly asks you to pay into a different account abroad. That PLFGDE51 is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Verify new bank details via a separate channel, never via the email that asked for the change. Pressure or secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference to another account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Is PLFGDE51 still correct? How to check

The most reliable place for the right code remains a document from the bank itself, such as a statement or the account details in online banking. When the code you were given does not match PLFGDE51 or PLFGDE51XXX, do not guess.

Errors in the BIC are costly more than disastrous. Remember the IBAN: a mistake there is harder to correct than a wrong code.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC. Some banks now check the payee name against the account. A small test payment can be a sensible step for large sums, even if it costs an extra fee.

Sending EUR to Ikano Bank AB (Publ), Zweigniederlassung Deutschland

Germany pays in the Euro. Money sent in a different currency will be exchanged into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate charge for the conversion.

Which bank converts the money matters, because each party uses its own rate. Often you pay less if you send EUR straight away through a provider with a good rate.

Exchange rates change during the day – some services let you fix a rate in advance. With bigger transfers, even small difference in the rate adds up quickly.