SWIFT/BIC codes in Germany: banks starting with T

Bank SWIFT codes for Germany

This directory contains 2804 banks and financial institutions in Germany and 8518 SWIFT/BIC codes between them. A SWIFT code tells the banks handling a transfer exactly which bank is meant to get the money.

Each bank has its own page with its main code and if there are any, branch codes. The sections below explain how the codes work, what transfers cost and how to avoid mistakes before a payment.

The Euro (EUR) and conversion costs

The local currency of Germany is the Euro (EUR). When you pay money in a different currency, the amount gets converted at some point.

Where the conversion happens affects the final amount, since every bank sets its own rate. Compare how much EUR the recipient gets with different services before choosing one. Rates for EUR change all the time – some providers let you lock in a rate.

Recognising a SWIFT code from Germany

SWIFT/BIC codes follow the same format worldwide: 8 characters. The first four letters identify the bank, characters five and six form the country code and the next two give the location.

For banks in Germany, letters five and six show the two-letter ISO code of Germany, which makes these codes easy to recognise. If the country letters point to another country, the code belongs to a bank in another country – worth double-checking.

When a code ends in XXX, it means the head office. Choose a branch code only when the recipient explicitly gives you one.

When does money sent to Germany arrive?

How quickly a payment arrives in Germany depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country can add a day or more to the journey.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to see where the money is. Keep the payment confirmation until the money has arrived; a bank needs it to start a trace.

Receiving money in Germany from abroad

When you are waiting for money from abroad on an account in Germany, give the sender a complete set of details. Give them your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. It helps to include your bank’s name and city as well, since some payment forms ask for it.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Bank or transfer service for Germany?

The price of a payment to Germany is made up of more than one component. You pay the transfer fee, sometimes fees from correspondent banks along the way and, above all, the exchange rate markup when currencies differ.

The real cost is often in the rate. Compare the bank’s rate with the mid-market rate.

Money transfer services often use rates closer to the mid-market rate with clearer fees. GoldexPay lists transfer services next to each other, showing the amount that reaches the recipient before you commit.

Banks in Germany beginning with the letter :letter

The letter filter limits the list to banks from Germany that begin with :letter, so you can find a bank faster. The figures for Germany mentioned here cover every bank we list, not just the ones under :letter.

Some banks appear under their legal name. The full overview for Germany is one click away when the letter filter does not help.

Check the code before you pay

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account page in online banking. If the code you have differs from the code listed here, do not guess – contact the recipient or their bank.

We gather SWIFT/BIC codes from publicly available data and update them from time to time. Still, banks merge, rename themselves or retire codes, so information can be out of date. For any payment that matters, check the code with the recipient’s bank. GoldexPay is a comparison site for money transfers, not a bank.

Watch out for payment requests containing changed bank details – a common fraud method. Before paying, verify changed details by phone on a number you know.

Most SWIFT codes in Germany: Deutsche Bank AG

Of the 2804 banks we list for Germany, Deutsche Bank AG is listed with the most SWIFT codes. The head office of Deutsche Bank AG has DEUTDE2HXXX.

How many codes a bank has tells you more about how it organises its payments than about its size. If not the recipient asks for a branch, the head office code DEUTDE2HXXX works for a payment to Deutsche Bank AG.

Paying in euros to Germany

Germany is a member of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, you normally only need the IBAN.

A SWIFT code still come into play for payments in other currencies and for transfers from outside SEPA. Instant payments in euros are widely supported within SEPA. Costs stay low provided no currency is converted; the conversion is where it gets expensive.