Sparda-Bank Nuernberg EG SWIFT/BIC code

Sparda-Bank Nuernberg EG SWIFT code: SPNUDE7N

SPNUDE7N and SPNUDE7NXXX are two spellings of the same bank identifier, and both lead to Sparda-Bank Nuernberg EG in Nuremberg. The code has a single purpose: it makes sure that an international payment reaches the right bank. In practice you usually see the code on invoices from abroad, in payment forms and on the account details that Sparda-Bank Nuernberg EG provides.

Further down we go through the practical questions: receiving money at Sparda-Bank Nuernberg EG, sending money abroad and how to verify a SWIFT code before you confirm a payment. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

A note on our data

Our SWIFT/BIC directory is based on public sources and we update it periodically. Institutions merge, change names and change codes – a directory can be a step behind. The figures we show reflect what is in our directory and not on information from Sparda-Bank Nuernberg EG itself.

Use this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Sparda-Bank Nuernberg EG; we are a comparison site for money transfers. If you notice a mistake, we appreciate a message via the contact page.

When will the money arrive at Sparda-Bank Nuernberg EG?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Sometimes a bank asks about the purpose of a payment.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each payment carries a unique reference, the UETR. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank can request a trace. On the receiving end, it helps to look at your statements for a partial amount.

Paying Sparda-Bank Nuernberg EG in euros within SEPA

Inside SEPA, euro transfers to Sparda-Bank Nuernberg EG use the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing in that case.

You still need SPNUDE7NXXX when sending non-euro payments or transfers from countries outside SEPA. A few forms also show a field for the BIC; if so, fill in SPNUDE7N or SPNUDE7NXXX.

Instant payments in euros have become widely available within SEPA. Provided the payment stays in euros, a SEPA transfer is cheap.

Is SPNUDE7N still correct? How to check

Have the recipient copy the bank details directly from their banking app. Compare that code against SPNUDE7N on this page and ask if anything does not match.

A wrong SWIFT code may lead to delays, a returned payment or extra fees along the way. Remember the IBAN: an error there can be more difficult to undo than a wrong code.

An automatic check in your banking app merely tells you that the code is valid. More and more banks compare the name with the account. When you pay someone new, many people start with a small amount first.

Paying someone abroad from your Sparda-Bank Nuernberg EG account

An international bank payment can cost more than the listed fee. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted the bank often applies a rate that is less favourable than the real market rate.

Banks rarely list their exchange rate markup separately, but you pay it all the same. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate. On GoldexPay we compare what recipients receive across providers. Using a transfer service does not mean closing your account at Sparda-Bank Nuernberg EG: you simply pay the service from your account.

What to give a sender who pays you at Sparda-Bank Nuernberg EG

Someone abroad who wants to pay you will ask for a few details about your account – incomplete details often cause delays. The basics are: your name, IBAN or account number, SPNUDE7NXXX or SPNUDE7N and, for some countries, your postal address.

Their bank might request the address of your bank, in which case the Nuremberg head office is the usual answer. Double-check the details before you send them.

An incoming payment does not always arrive for the full amount. Correspondent banks can take a fee, Sparda-Bank Nuernberg EG may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.

Watch out for payment fraud

Scammers often send payment requests containing new bank details, sometimes in an email that looks completely genuine. That SPNUDE7N is a real code does not mean that a request mentioning it is genuine.

Verify changed payment details through a different channel, such as a phone number you already know, not by replying to the message. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. Already paid? Call the bank you paid from straight away and have them try to recall the payment; also report it to the police.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Sparda-Bank Nuernberg EG: head office code versus branch codes

Sparda-Bank Nuernberg EG has 2 separate SWIFT/BIC codes across 2 locations. One of them is the head office code, SPNUDE7NXXX; the rest belong to branches or departments, and sometimes internal departments.

Usually there is no need to pick a branch: transfers sent to SPNUDE7NXXX are routed within Sparda-Bank Nuernberg EG without problems. If you have been given a branch code, stick to it instead of swapping it with the head office code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

The Euro and what conversion costs you

The national currency in Germany is the Euro (EUR). A payment in a foreign currency will be exchanged into EUR, and whoever converts it chooses the rate. Every conversion costs the amount.

Who does the conversion affects how much arrives, since every bank sets its own rate. Transferring the money already in EUR usually avoids a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR move during the day. On larger amounts, even small difference in the rate adds up quickly.

SPNUDE7N or SPNUDE7NXXX – which one to use?

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. The result is SPNUDE7N, the short form of the code.

Most banks and apps work with both lengths. If yours requires eleven characters, enter SPNUDE7NXXX.

Type the code as one block, in capitals and without separators, exactly as shown here. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.