Vakifbank International AG SWIFT/BIC code

Vakifbank International AG SWIFT code: TVBADEFF

The short code TVBADEFF and the 11-character code TVBADEFFXXX refer to the same bank: Vakifbank International AG, with its head office in Frankfurt Am Main. Banks worldwide use BIC codes to route international transfers to the right bank. It comes up mainly for transfers between countries and payments in foreign currencies.

We wrote this page to help anyone who sends money to an account at Vakifbank International AG without mistakes. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number .

Why Vakifbank International AG has an 8- and an 11-character code

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. For Vakifbank International AG, that core is TVBADEFF.

XXX at the end of TVBADEFFXXX does not stand for a placeholder or a mistake: it stands for the main office of Vakifbank International AG. Some forms insist on 11 characters, in which case you can add XXX after TVBADEFF.

Enter the code as one block, in upper case and without spaces, exactly as shown here. Copying the code beats retyping it.

Verifying the SWIFT code of Vakifbank International AG

The most reliable source for a SWIFT code is the bank details provided by the recipient. Check it against TVBADEFF on this page; if they differ, ask before you pay.

If the code is wrong, the transfer may get stuck, bounce back or end up costing more. A mistake in the IBAN or account number can be more serious because it can reach the wrong person; check it just as carefully.

An automatic check in your banking app only confirms that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient gives an extra layer of safety. Sending a small amount first can be a sensible step for large sums.

Do you need TVBADEFF for a SEPA transfer?

Since Germany is in SEPA, a euro payment to Vakifbank International AG from within the SEPA area usually only needs an IBAN. Many banks do not require the BIC for these payments.

A SWIFT code like TVBADEFF does come into play for payments in other currencies and when the money comes from outside SEPA. If your banking app asks for the BIC regardless, entering TVBADEFF is fine.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low.

Incoming international payments to Vakifbank International AG

Someone abroad who wants to pay you will ask for a few details about your account. What they need is: the account holder’s name, IBAN or account number, TVBADEFFXXX and, for some countries, your postal address.

The sender’s bank might request the address of your bank, in which case the Frankfurt Am Main head office is the usual answer. Double-check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive for the full amount. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. For business payments, you can state who bears the costs.

About this information

The codes on this page come from public sources that we update regularly. It is possible that information on this page is out of date. Counts and locations come from our directory.

See our directory here as a handy check. GoldexPay is not affiliated with Vakifbank International AG. Spotted outdated information? Let us know through the contact page so we can correct it.

Paying someone abroad from your Vakifbank International AG account

If you transfer money to another country via Vakifbank International AG, the fee you see is only part of what you pay. There is the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup.

Banks do not list the margin on the rate as a cost, but you pay it all the same. A simple test: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently offer a rate near the mid-market rate. On GoldexPay you can compare the amount that arrives with different services. Choosing a specialist does not mean closing your account at Vakifbank International AG.

Watch out for payment fraud

Be wary when a contact suddenly asks you to send money to a different account. The fact that TVBADEFF exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details through a phone call. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank straight away and ask them to try to recall the payment.

Scams can also work the other way. Someone claims to have sent too much and asks you to refund the extra to a new account. Wait until the money is actually in your account and check with Vakifbank International AG if anything seems off.

Choosing between the 3 SWIFT codes of Vakifbank International AG

Vakifbank International AG has 3 different SWIFT/BIC codes across 1 cities. One of them is the head office code; the rest belong to branches or departments, and sometimes specific services.

If nobody asks you for a branch code, go with TVBADEFFXXX. When you receive a branch code, use it as it is rather than replacing it for the head office code.

The best way is to take the code directly from the account holder’s invoice. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

Paying into Vakifbank International AG in EUR

Accounts at Vakifbank International AG are usually held in EUR, the local currency of Germany. A payment in a foreign currency will be converted into EUR. There is rarely a separate line for that conversion – the cost sits in the rate.

Who converts the payment matters: every bank has its own margin. Compare what EUR arrives with several providers.

The EUR rate changes throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate make a real difference over time.

When will the money arrive at Vakifbank International AG?

There is no fixed answer for international payments: some arrive the same day or the next, others take several business days. Payments made after the cut-off time or on weekends and holidays usually go out a business day later. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt.

The bank that sent the money is able to request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can look at your statements to see a partial amount because fees can reduce the amount.