Nrw. Bank SWIFT/BIC code

Nrw. Bank SWIFT code: NRWBDEDM

NRWBDEDM and NRWBDEDMXXX are the short and the long form of the same SWIFT/BIC code, and both point to Nrw. Bank in Duesseldorf. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. It comes up mostly when dealing with transfers between countries.

We wrote this page to help anyone who receives money at an account at Nrw. Bank. A SWIFT code identifies a bank or branch, never a specific account.

Tracking a transfer to or from Nrw. Bank

There is no single delivery time: many land within a day while others need several business days. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Occasionally a bank wants to know what the payment is for.

When a payment takes longer than expected, contact your bank for the tracking status; with that reference banks can see where the payment is. Save the payment confirmation until the money has arrived – you will need it for any trace request.

A delayed transfer has to be investigated from the sending side. Request from the sender a copy of the payment confirmation with the date and reference.

Do you need NRWBDEDM for a SEPA transfer?

Germany is part of the SEPA area, where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

Outside the euro and for senders outside SEPA, NRWBDEDMXXX or NRWBDEDM is still part of the payment details. If a payment form has a field for the BIC regardless, entering NRWBDEDM does no harm.

Instant payments in euros are increasingly supported across SEPA – whether Nrw. Bank offers them for your account is worth checking. Charges on SEPA transfers are generally low as long as everything stays in euros.

International transfers from Nrw. Bank: the real cost

When you transfer money to another country via Nrw. Bank, the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between can deduct a fee, and when the money changes currency the bank often uses a rate below the actual market rate.

The markup on the rate tends to be the largest cost because it is hidden in the rate. Compare their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialist money transfer services often offer rates closer to the mid-market rate with clearer fees. Before your next transfer, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. Using a transfer service does not require leaving Nrw. Bank: you simply pay the service from your account.

About this information

We collect bank codes using public sources and update our list regularly. Even so, banks merge, rename themselves or change codes, so information can be out of date. The figures on this page are based on our own data, not official figures from Nrw. Bank.

Treat our directory on this page as a handy check and rely on the recipient or Nrw. Bank for the final confirmation. GoldexPay has no connection to Nrw. Bank. Spotted an error? Let us know through the contact page so we can correct it.

What the XXX in NRWBDEDMXXX means

A BIC is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. Together, those parts form NRWBDEDM.

Most banks and apps work with either length. If yours asks for eleven characters, enter NRWBDEDMXXX, otherwise NRWBDEDM is fine.

As a rule the code is written in capitals, without spaces or dashes. A wrong letter may route a payment to another bank, so copy it carefully.

Protect yourself against fake payment requests

Stay alert when someone unexpectedly wants you to pay into another account. The fact that NRWBDEDM exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that contains the change. Urgency and secrecy are red flags – a real supplier can wait a day. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference to another account. Wait until the money has really arrived – ask Nrw. Bank if something looks wrong.

Paying into Nrw. Bank in EUR

Accounts at Nrw. Bank are typically held in EUR, the national currency. A payment in a foreign currency is converted into EUR before it reaches the account, and whoever converts it chooses the rate. Every conversion costs the amount, even when no fee is shown.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Often you pay less if you send EUR directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Rates for EUR change all the time, and some providers let you lock in a rate. With bigger transfers, a small gap in the rate can be worth more than the fee.

How to check NRWBDEDM before you pay

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code with NRWBDEDM on this page.

If the code is wrong, the payment may get stuck, bounce back or end up costing more. Remember the IBAN: an error there can be harder to correct than a wrong code.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically. Where available, a payee name check on the recipient gives extra certainty. For a first payment, some people start with a small amount first.

Which of the 2 codes of Nrw. Bank do you need?

Our directory lists 2 SWIFT/BIC codes for Nrw. Bank. Next to the head office code NRWBDEDMXXX, you will find codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use NRWBDEDMXXX. If you have been given a branch code, stick to it rather than replacing it with the head office code.

Unsure which code applies? Ask the recipient, or look at a recent statement from Nrw. Bank. Branch codes can change over time, so a code from an old document is not always valid.

Getting paid from abroad into a Nrw. Bank account

When you expect a payment from another country, send the payer a complete set of details. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code NRWBDEDMXXX and sometimes your address.

The sender’s bank might request the address of your bank; the head office in Duesseldorf is usually fine. Check the details before you send them.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers differ per bank – the price list of Nrw. Bank tells you what applies. On invoices, it is common to state how the fees are split to avoid a shortfall.