Volksbank Breisgau Nord EG SWIFT/BIC code

What GENODE61 means for a payment to Volksbank Breisgau Nord EG

GENODE61 and GENODE61EMM are two ways of writing the same SWIFT/BIC code, and both point to Volksbank Breisgau Nord EG in Emmendingen. A SWIFT code tells the banks handling a payment exactly which bank should receive the money, a bit like a postal address for banks. In practice you mostly come across the code on invoices from abroad, in payment forms and in the bank details of Volksbank Breisgau Nord EG customers.

On this page we explain how the code is put together, when it matters and which other details you need for a transfer to or from Volksbank Breisgau Nord EG. The BIC identifies a bank or branch, never a specific account.

GENODE61 or GENODE61EMM – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. The result is GENODE61.

Most banks and apps work with both lengths. If a form requires eleven characters, use GENODE61EMM; if it wants eight, use GENODE61.

In practice the code is written in capitals and without spaces. Copying the code is safer than typing it by hand: a typo can point to another bank.

Euro transfers to Volksbank Breisgau Nord EG: is a BIC needed?

Because Germany is in the SEPA zone, a euro transfer into Volksbank Breisgau Nord EG from within the SEPA area usually requires just an 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, GENODE61EMM or GENODE61 remains part of the payment details. If your banking app asks for the BIC regardless, entering GENODE61 is fine.

Instant euro transfers have become increasingly supported within SEPA; check with Volksbank Breisgau Nord EG whether it applies to your account. As long as the payment stays in euros, the transfer tends to be inexpensive; it is the conversion that costs money.

Sending money abroad from Volksbank Breisgau Nord EG

When you transfer money abroad from Volksbank Breisgau Nord EG, the fee you see is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

The markup on the rate is often the largest cost because it is hidden in the rate. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay compares transfer providers side by side, showing what actually arrives for the same amount sent. You can always keep your account at Volksbank Breisgau Nord EG; only the conversion and sending happen elsewhere.

Scams that use SWIFT codes

Be alert if someone suddenly wants you to pay into another account or a bank in another country. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Never rely on a phone number from the same email that announces the change. Watch out for time pressure, unusual wording or an email address that differs by one letter. If a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference abroad. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

About this information

We gather bank codes using public sources and check them from time to time. Banks merge, close branches and change codes. Figures such as the number of codes come from our directory and are not confirmed by Volksbank Breisgau Nord EG.

Before any payment of any size, always confirm the code with Volksbank Breisgau Nord EG or the recipient. We are a comparison service and not affiliated with Volksbank Breisgau Nord EG. Found an error? Tell us through the contact page so we can correct it.

What to give a sender who pays you at Volksbank Breisgau Nord EG

Someone abroad who wants to pay you needs a few details about your account, and missing ones are a common cause of delays. Share the account holder’s name, your account number or IBAN, SWIFT code GENODE61EMM and your address.

It helps to include Volksbank Breisgau Nord EG and Emmendingen too. Double-check each detail before you send them.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers vary per bank – the price list of Volksbank Breisgau Nord EG tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.

Transfer times and tracking a payment to Volksbank Breisgau Nord EG

There is no single answer for every transfer: some land within a day, others take several business days. Bank holidays in either country add extra days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation.

A delayed transfer is traced by the sending bank. Ask the sender for the payment receipt including the reference.

Head office or branch code at Volksbank Breisgau Nord EG?

Volksbank Breisgau Nord EG uses 2 different SWIFT/BIC codes across 2 cities. Only one is the head office code; the rest belong to branches.

For the vast majority of incoming transfers, the head office code GENODE61EMM is what you need. When you receive a branch code, use it as it is rather than replacing it for the head office code.

The safest approach is to take the code straight from the recipient’s invoice. Codes can change when banks reorganise, so a code from an old document is not always valid.

Is GENODE61 still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check that code against GENODE61 on this page and ask if anything does not match.

Errors in the SWIFT code tend to be annoying rather than disastrous: often the payment comes back, minus fees. Remember the account number: a mistake there can be harder to correct than a wrong code.

Many banking apps check the format of an IBAN, but that does not prove the account belongs to the right person. Some banks now compare the name against the account – do not ignore a mismatch warning. For a first payment, many people send a small amount first and wait for confirmation.

Paying into Volksbank Breisgau Nord EG in EUR

Germany uses the Euro (EUR). If you send another currency it has to be converted somewhere along the way: by your bank, an intermediary or Volksbank Breisgau Nord EG itself. Every conversion eats into the amount, even when no fee is shown.

Who converts the money matters. Transferring the money already in EUR usually prevents an extra conversion at the receiving end.

The rate for EUR changes throughout the day. For recurring payments, a slightly better rate add up over a year.