Mercedes-Benz Bank AG SWIFT/BIC code

What MEBEDE6S means for a payment to Mercedes-Benz Bank AG

MEBEDE6S and MEBEDE6SXXX are two ways of writing the same SWIFT/BIC code, and both point to Mercedes-Benz Bank AG in Stuttgart. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right bank. You will need it mainly for transfers between countries or a currency.

Below you will find the practical side: receiving money at Mercedes-Benz Bank AG, sending money abroad and how to check the code before you confirm a payment. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Euro transfers to Mercedes-Benz Bank AG: is a BIC needed?

Within the SEPA zone, euro payments to an account in Germany follow common rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.

For anything other than euros and from non-SEPA countries, MEBEDE6SXXX is still required. If a payment form has a field for the BIC regardless, entering MEBEDE6S does no harm.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

About this information

Our SWIFT/BIC directory is compiled from public sources. Still, banks merge or retire codes, so information can be out of date. Counts and locations come from our own dataset and may differ from what Mercedes-Benz Bank AG publishes.

Treat our data as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is an independent comparison site for money transfers and not part of Mercedes-Benz Bank AG. If you notice a mistake, we appreciate a message via the contact page.

When will the money arrive at Mercedes-Benz Bank AG?

An international transfer usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on a weekend or public holiday often go out a business day later. Occasionally a bank asks about the purpose of a payment.

If the money is late, contact the sending bank about the tracking status so they can trace it along the chain. Money transfer services often provide a status in their app so you can see where the money is.

The bank that sent the money is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Changed bank details? Be careful

A common scam goes like this: you receive a message saying that a contact has a new bank account and asking you to pay there from now on. The fact that MEBEDE6S exists does not mean that the account is genuine; criminals use the codes of real banks too.

Always verify changed bank details by phone on a number you know, not one from the message. Pressure and secrecy are red flags. Acted too fast? Contact your bank without delay and ask them to start a recall.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money is actually in your account and check with Mercedes-Benz Bank AG if anything seems off.

International transfers from Mercedes-Benz Bank AG: the real cost

A bank transfer abroad costs rather more than the listed fee. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank often uses a rate that is less favourable than the actual 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 and look at the difference.

For many currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets. You can always keep your account at Mercedes-Benz Bank AG to fund the transfer, while a cheaper service handles the conversion.

Before you send: check the Mercedes-Benz Bank AG code

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given does not match MEBEDE6S or MEBEDE6SXXX, stop and ask – contact the recipient or Mercedes-Benz Bank AG.

With a wrong code, the transfer may get stuck, be returned or end up costing more, and tracing it can take weeks. An error in the account number can be more serious because it can reach the wrong person, so check that just as carefully.

Most online banking apps check the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a payee name check on the recipient adds an extra layer of safety. For a first payment, some people send a small amount first.

What to give a sender who pays you at Mercedes-Benz Bank AG

A sender in another country needs a few details about your account. What they need is: your name, account number or IBAN, MEBEDE6SXXX and in many cases your postal address.

The sender’s bank may also ask for the bank address of Mercedes-Benz Bank AG, in which case the Stuttgart head office is the usual answer. Double-check the details before you share them.

What lands in your account is often less than the amount sent. Correspondent banks can take a fee, Mercedes-Benz Bank AG may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

Sending EUR to Mercedes-Benz Bank AG

Germany pays in the Euro, code EUR. When you pay another currency, the amount has to be converted somewhere along the way. Each conversion costs something, even when no fee is shown.

Which bank converts the money makes a difference: every bank has its own margin. Check what EUR the recipient gets via different services.

The EUR rate changes constantly and quotes are often valid only for a short time. On larger amounts, a seemingly small difference in the rate adds up quickly.

Which of the 2 codes of Mercedes-Benz Bank AG do you need?

Mercedes-Benz Bank AG has 2 separate SWIFT/BIC codes across 1 locations. Only one is the head office code, MEBEDE6SXXX; the rest identify branches or departments.

For the vast majority of incoming transfers, the head office code MEBEDE6SXXX is the right choice. When you receive a branch code, use it as it is instead of replacing it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to change than the head office code when a bank merges or closes offices.

MEBEDE6S or MEBEDE6SXXX – which one to use?

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. Together, those parts form MEBEDE6S, the code most people search for.

Many banks and apps work with both lengths. If yours asks for eleven characters, enter MEBEDE6SXXX; if it wants eight, use MEBEDE6S.

Enter the code as one block, in capitals and without separators, exactly as shown here. Look out for O versus 0 or the letter I and the digit 1; they are easy to mix up.