ING-Diba AG (Retail Banking) SWIFT/BIC code

SWIFT/BIC code of ING-Diba AG (Retail Banking)

Whether a recipient gives you INGDDEFF or INGDDEFFXXX, you are looking at the identical address for ING-Diba AG (Retail Banking) in Germany. Every bank on the SWIFT network uses these codes to route payments between countries to the correct bank. In practice you usually come across the code on invoices from abroad, in your banking app and in the bank details of ING-Diba AG (Retail Banking) customers.

Below you will find the practical questions: receiving money at ING-Diba AG (Retail Banking), paying someone in another country and how to verify the code before you confirm a payment. A SWIFT code identifies a bank or branch, not a single account, which is why you always need the account number too.

Where our SWIFT data comes from

The codes here are taken from public sources that we update regularly. Institutions reorganise, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes are from our own dataset and may differ from what ING-Diba AG (Retail Banking) publishes.

For any payment that matters, confirm the code with the recipient’s bank or the recipient. GoldexPay is a comparison service and not part of ING-Diba AG (Retail Banking). If you notice something that is out of date, we appreciate a message.

Do you need INGDDEFF for a SEPA transfer?

Germany belongs to the SEPA area, the zone for uniform euro payments. For a standard euro transfer within SEPA, you normally only need the IBAN.

The BIC does come into play for payments in other currencies. If your banking app has a field for the BIC anyway, entering INGDDEFF is fine.

Instant payments in euros have become increasingly supported across SEPA; check with ING-Diba AG (Retail Banking) whether it applies to your account. As long as the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

Before you send: check the ING-Diba AG (Retail Banking) code

The best place to find the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. Check it with INGDDEFF here and ask if anything does not match.

If the code is wrong, the payment might be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the account number: an error there is more difficult to correct than a wrong code.

Many banking apps validate the structure of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks compare the name against the account. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

When will the money arrive at ING-Diba AG (Retail Banking)?

How fast a payment arrives at ING-Diba AG (Retail Banking) is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country add extra days to the journey. Sometimes a bank asks about the purpose of a payment.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique reference, the UETR. Specialist transfer services usually provide tracking online showing how far the money is.

The bank that sent the money is able to request a trace. As a recipient, you can look at your account for a partial amount, since fees may have been deducted.

Getting paid from abroad into a ING-Diba AG (Retail Banking) account

When you expect money from abroad, give the sender all details at once. What they need is: the account holder’s name, IBAN or account number, INGDDEFFXXX and often your home address.

Certain banks also ask for the name and address of ING-Diba AG (Retail Banking) in Frankfurt Am Main; it does no harm to include it. Check the details before you share them.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank; check the price list of ING-Diba AG (Retail Banking). On invoices, you can agree who bears the costs to avoid a shortfall.

Scams that use SWIFT codes

Fraudsters often use payment requests with changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about whether the request is genuine.

Always verify a change of bank details through a phone call, using a number you already had. Pressure or secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Contact your bank without delay and have them try to recall the payment and report the fraud.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference abroad. Wait until the money is actually in your account.

Sending EUR to ING-Diba AG (Retail Banking)

Germany pays in the Euro, with the currency code EUR. If you send another currency it has to be converted somewhere along the way. Every conversion costs the amount, even when no fee is shown.

Which bank converts the money matters. Transferring the money directly in EUR usually prevents an extra conversion at the receiving end.

The EUR rate changes constantly, so the amount you see is usually only valid for a short time. On larger amounts, a small gap in the rate can be worth more than the fee.

What the XXX in INGDDEFFXXX means

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. That gives you INGDDEFF.

XXX at the end of INGDDEFFXXX is not a missing value or an error: it indicates the main office of ING-Diba AG (Retail Banking). Some forms ask for 11 characters, and then you can add XXX behind INGDDEFF.

As a rule the code is typed in capitals, without spaces or dashes. A wrong letter can send a payment to another bank.

Choosing between the 5 SWIFT codes of ING-Diba AG (Retail Banking)

ING-Diba AG (Retail Banking) uses 5 separate SWIFT/BIC codes across 1 cities. One of them is the head office code; the rest identify branches or departments, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code INGDDEFFXXX is what you need. If you have been given a branch code, stick to it rather than replacing it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to be retired than the head office code.

Sending money abroad from ING-Diba AG (Retail Banking)

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank usually applies a rate below the real market rate.

Banks rarely show the margin on the rate as a cost, but you pay it all the same. An easy check: put the bank’s rate next to the mid-market rate and look at the difference.

For a lot of routes, a transfer service turns out to be cheaper than a bank. Next time you send money, take a minute comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require closing your account at ING-Diba AG (Retail Banking).