Landesbank Hessen-Thueringen Girozentrale SWIFT/BIC code

SWIFT/BIC code of Landesbank Hessen-Thueringen Girozentrale

HELADEFF and HELADEFFXXX are the short and the long form of the same bank identifier, and both lead to Landesbank Hessen-Thueringen Girozentrale in Frankfurt Am Main. Banks worldwide use these codes to direct international transfers to the correct institution. It comes up mostly when dealing with transfers between countries.

Below we go through the practical questions: receiving money at Landesbank Hessen-Thueringen Girozentrale, sending money abroad and how to verify the code before you confirm a payment. The BIC names a bank or branch, never a single account, which is why you always need the account number too.

What a transfer from Landesbank Hessen-Thueringen Girozentrale abroad really costs

What you pay for an international transfer has more than one component. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted, the bank often applies a rate below the actual market rate.

Many banks do not list the margin on the rate as a cost – you only notice it if you compare. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer. GoldexPay lists transfer providers next to each other, showing what actually arrives for the same amount sent. You can always keep your account at Landesbank Hessen-Thueringen Girozentrale as the source of the money; only the conversion and sending happen elsewhere.

When will the money arrive at Landesbank Hessen-Thueringen Girozentrale?

An international transfer typically needs one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or on weekends and holidays often start the next business day. Extra checks by one of the banks can also add a delay, even when all details are correct.

If a transfer is delayed, ask your bank about the status so they can trace it along the chain. Specialist transfer services often show tracking in their app showing how far the payment has got.

A delayed transfer has to be traced by the sending bank. Request from the sender the payment receipt with the date and reference.

Scams that use SWIFT codes

Fraudsters often use payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that HELADEFF exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details by phone, using a number you already had. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment and report the fraud.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference. A payment confirmation from the sender proves nothing.

What the XXX in HELADEFFXXX means

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that mark the location. For Landesbank Hessen-Thueringen Girozentrale, the 8-character core is HELADEFF.

The long version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

Do not add spaces, dots when you enter HELADEFF or HELADEFFXXX. Pasting the code beats typing it by hand: a typo can point to another bank.

Paying Landesbank Hessen-Thueringen Girozentrale in euros within SEPA

Germany is part of the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

The BIC still come into play when the currency is not euros, and for transfers from outside SEPA. A few banks and apps also show a field for the BIC; if so, enter HELADEFF.

Instant payments in euros are increasingly available within SEPA – whether Landesbank Hessen-Thueringen Girozentrale offers them for your account is worth checking. As long as the payment stays in euros, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

Choosing between the 11 SWIFT codes of Landesbank Hessen-Thueringen Girozentrale

Having 11 codes, Landesbank Hessen-Thueringen Girozentrale belongs to the banks that use individual codes for branches and departments. The head office code is HELADEFFXXX.

Usually there is no need to look up a branch: payments addressed to HELADEFFXXX are routed within Landesbank Hessen-Thueringen Girozentrale correctly. Just use a branch code when your contact gives you that exact code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes can change over time.

How up to date is this code?

The codes here are taken from publicly available data. Banks merge, change names and change codes, and a directory never catches every change immediately. The number of codes we show reflect our own data and not on information from Landesbank Hessen-Thueringen Girozentrale itself.

Treat our data as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay is independent of Landesbank Hessen-Thueringen Girozentrale. Should you notice a mistake, we welcome a short note via the contact page.

The Euro and what conversion costs you

The currency in Germany is the Euro (EUR). A payment in a foreign currency will be converted into EUR before it reaches the account, and whoever converts it chooses the rate. You rarely see a separate charge for that conversion.

Where the conversion happens affects how much arrives, since every bank sets its own rate. In many cases it is cheaper to send EUR directly through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Rates for EUR change all the time – some services let you fix a rate in advance. With bigger transfers, even small difference in the rate can be worth more than the fee.

Incoming international payments to Landesbank Hessen-Thueringen Girozentrale

When you expect a payment from another country, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code HELADEFFXXX (or HELADEFF) and, often, your postal address.

You can include the bank name and its city as well, since some forms ask for it. Check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin comes on top. On invoices, you can agree who bears the costs to avoid a shortfall.

How to check HELADEFF before you pay

The most reliable place for the right code remains a document from the bank itself. Check it with HELADEFF on this page.

Mistakes in the SWIFT code tend to be annoying more than fatal: often the payment comes back, minus fees. An error in the IBAN or account number is more serious, because the money may be credited to someone else; check it just as carefully.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. More and more banks compare the payee name with the account; take any warning seriously. When you pay someone new, some people start with a small test amount.