State Street Bank International SWIFT/BIC code

State Street Bank International SWIFT code: DLISDEFF

The 8-character code DLISDEFF and the 11-character code DLISDEFFXXX identify one and the same institution: State Street Bank International, with its head office in Frankfurt Am Main. Banks worldwide use BIC codes to direct international transfers to the correct institution. It comes up mainly for transfers between countries and payments in foreign currencies.

On this page you can read how the code means, when you need it and what else a transfer to or from State Street Bank International requires. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN does that part.

What a transfer from State Street Bank International abroad really costs

An international bank payment can cost more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Banks do not list the margin on the rate as a cost, but you pay it all the same. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

For many routes, a specialist provider is less expensive than a traditional bank transfer. GoldexPay lists these services side by side so you can see the amount the recipient gets before you commit. Choosing a specialist does not mean leaving State Street Bank International – you pay the provider from your own account.

Paying into State Street Bank International in EUR

Germany pays in the Euro, code EUR. When you pay money in a different currency gets converted at some point. There is rarely a separate line for the conversion; it is built into the rate.

Which bank converts the payment makes a difference. Compare how much EUR the recipient gets with different providers before choosing one.

The EUR rate fluctuates throughout the day. For recurring payments, a slightly better rate make a real difference over time.

Getting paid from abroad into a State Street Bank International account

To receive a transfer from abroad into your account at State Street Bank International, the person paying you needs not just the SWIFT code. The basics are: your name, account number or IBAN, DLISDEFFXXX and, for some countries, your home address.

You can add the bank name and Frankfurt Am Main as well, because some payment forms have separate fields for them. A typo in the IBAN can be more trouble than you might think, so copy the details from your online banking.

What lands in your account can be less than what was sent. Fees for incoming transfers vary per bank. Agree with the sender who covers the fees.

DLISDEFF or DLISDEFFXXX – which one to use?

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. For State Street Bank International, that core is DLISDEFF.

Many banks and apps accept both lengths. If yours asks for eleven characters, use DLISDEFFXXX; if it wants eight, use DLISDEFF.

As a rule the code is written in capitals. A single character can send a payment to another bank, so check it twice.

How long does an international transfer to State Street Bank International take?

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or on weekends and holidays often go out the next business day. Sometimes a bank wants to know what the payment is for.

If the money seems delayed, contact your bank about the tracking status or the UETR so they can trace it along the chain. Money transfer services usually provide a status in their app so you can see where the payment is.

A delayed transfer is investigated from the sending side, using the payment confirmation. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

Choosing between the 3 SWIFT codes of State Street Bank International

With 3 codes, State Street Bank International belongs to the banks that register separate codes for branches and departments. The head office code is DLISDEFFXXX.

In most cases there is no need to pick a branch: payments addressed to DLISDEFFXXX reach State Street Bank International without problems. A branch code only makes sense when the account holder specifically mentions it, which is more common for corporate accounts and specialised services.

The best way is to take the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Is DLISDEFF still correct? How to check

The best place to find the right code remains a document from the bank itself, such as a statement or the account details in online banking. Compare that code with DLISDEFF here and ask if anything does not match.

An incorrect BIC may lead to a delay, a returned payment or extra fees along the way. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong code.

An automatic check in your banking app only confirms that the code exists, not that it is the right account. Some banks now check the payee name with the account; take any warning seriously. For a first payment, some people start with a small amount first.

Euro transfers to State Street Bank International: is a BIC needed?

Since Germany is in SEPA, a euro payment to State Street Bank International from another SEPA country normally only needs an IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

You will still need DLISDEFFXXX when sending non-euro payments or transfers from countries outside SEPA. If a payment form asks for the BIC regardless, entering DLISDEFF is fine.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Charges on SEPA payments are generally low, as long as no currency conversion is involved.

Watch out for payment fraud

Scammers often send fake invoices with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about who owns the account.

Verify changed bank details through a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from straight away and ask them to start a recall and report the fraud.

Recipients are targeted too: one known trick is an overpayment followed by a request to refund the difference. A screenshot of a transfer is no proof.

About this information

The details here are taken from public sources that we update regularly. It is possible that a code on this page is out of date, for example after a merger. Figures such as the number of codes are from our directory and may differ from what State Street Bank International publishes.

Before a payment of any size, always confirm the BIC with the recipient’s bank or the recipient. We are an independent comparison site and not affiliated with State Street Bank International. Spotted an error? Tell us through the contact page.