Sparkasse Nuernberg SWIFT/BIC code

SSKNDE77 – the SWIFT/BIC code of Sparkasse Nuernberg

SSKNDE77 and SSKNDE77XXX are two spellings of the same bank identifier, and both lead to Sparkasse Nuernberg in Nuernberg. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. In daily life you mostly see it on invoices from abroad, in your banking app and on the account details that Sparkasse Nuernberg provides.

Further down we go through the practical questions: money coming in from abroad, sending money abroad and how to check the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; that is what the account number or IBAN is for.

Euro (EUR) and conversion costs

Germany uses the Euro. When you pay another currency, the amount has to be converted somewhere along the way – by your bank, by Sparkasse Nuernberg or by a bank in between. There is rarely a separate charge for the conversion.

Who converts the payment makes a difference: every bank has its own margin. Compare how much EUR arrives with several providers; the difference between options can be larger than you expect.

The EUR rate fluctuates constantly and quotes are often valid only for a short time. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

About this information

The codes on this page come from public sources which we refresh regularly. It is possible that information here is out of date, for example after a merger. Figures such as the number of codes come from our own dataset and are not confirmed by Sparkasse Nuernberg.

Before a payment of any size, confirm the code with Sparkasse Nuernberg or with the recipient. We are an independent comparison service and not part of Sparkasse Nuernberg. If you notice a mistake, we appreciate a short note via the contact page.

Before you send: check the Sparkasse Nuernberg code

Ask the recipient to copy their bank details directly from a recent statement. Compare that code against SSKNDE77 here and ask if anything does not match.

If the code is wrong, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. A mistake in the account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A validity check in your banking app merely tells you that the IBAN is valid. More and more banks check the payee name against the account – do not ignore a mismatch warning. A small test payment can be worth it for a large first payment.

Choosing between the 3 SWIFT codes of Sparkasse Nuernberg

Our database contains 3 SWIFT/BIC codes for Sparkasse Nuernberg. Besides the head office code SSKNDE77XXX, there are codes for individual branches and departments.

Usually there is no need to look up a branch: transfers sent to SSKNDE77XXX are routed within Sparkasse Nuernberg correctly. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Not sure which code applies? Ask the recipient. Codes can change over time, so do not rely on old paperwork.

SEPA payments and the Sparkasse Nuernberg BIC

Because Germany is part of SEPA, a euro payment into Sparkasse Nuernberg from within the SEPA area normally only needs the IBAN. Most banking apps do not require the BIC for these payments or fill it in for you.

Outside the euro and for senders outside SEPA, SSKNDE77XXX or SSKNDE77 is still required. A few forms also ask for the BIC; in that case, fill in SSKNDE77.

Euro payments within SEPA usually arrive by the next business day. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

When will the money arrive at Sparkasse Nuernberg?

How fast a transfer reaches Sparkasse Nuernberg depends on a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Transfers sent late in the day or on a weekend or public holiday often go out a business day later. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact your bank for the tracking status or the UETR; with that reference banks can see where the payment is. Keep your transfer receipt until the recipient confirms.

The bank that sent the money is able to request a trace. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

Scams that use SWIFT codes

Be wary if someone unexpectedly wants you to send money to another account or a bank in another country. That SSKNDE77 is a real code does not mean that the account is genuine; criminals use the codes of real banks too.

Check new bank details through a separate channel, such as a phone number you already know, not by replying to the message. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. When a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also work the other way: someone sends too much and wants you to return the difference to a new account. A screenshot of a transfer is no proof – check your own account.

Why Sparkasse Nuernberg has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. Combined, those parts form SSKNDE77, the code most people search for.

The long version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office, so SSKNDE77XXX and SSKNDE77 are interchangeable.

Type the code in one piece, in upper case and without spaces. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Paying someone abroad from your Sparkasse Nuernberg account

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted, the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate that includes a margin. A simple test: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. On GoldexPay you can compare the amount that arrives across services. Using a transfer service does not mean closing your account at Sparkasse Nuernberg.

Incoming international payments to Sparkasse Nuernberg

If you expect a payment from another country, give the sender a complete set of details. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC SSKNDE77XXX and usually your address.

You can add Sparkasse Nuernberg and Nuernberg too. Check every detail before you share them.

Money from abroad does not always arrive in full. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees.