Volksbank Friedrichshafen EG SWIFT/BIC code

VOFEDE61 – the SWIFT/BIC code of Volksbank Friedrichshafen EG

VOFEDE61 and VOFEDE61XXX are two ways of writing the same SWIFT/BIC code, and both lead to Volksbank Friedrichshafen EG in Langenargen. Banks worldwide use BIC codes to direct international transfers to the right bank. In daily life you usually come across the code on international invoices, in payment forms and on the account details of Volksbank Friedrichshafen EG customers.

On this page you will find how the code is put together, when it matters and which other details a transfer to or from Volksbank Friedrichshafen EG requires. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number takes care of that.

When will the money arrive at Volksbank Friedrichshafen EG?

How fast a transfer reaches Volksbank Friedrichshafen EG is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and time zones. Payments made after the cut-off time or on a weekend or public holiday usually go out the next business day. Sometimes a bank asks what the payment is for.

If the money is delayed, contact your bank about the status or the UETR. Specialist transfer services usually show a status in their app showing how far the payment has got.

If a payment has not arrived within the expected time, the person who paid needs to start with the bank that sent it rather than Volksbank Friedrichshafen EG. Ask the sender for the payment receipt – it helps your own bank look for the money.

How up to date is this code?

We collect bank codes from public sources and check our list regularly. Still, banks merge, rename themselves or change codes. The number of codes we show are based on what is in our directory.

Treat this page as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is a comparison service for money transfers and not affiliated with Volksbank Friedrichshafen EG. Found an error? Tell us through the contact page and we will look into it.

VOFEDE61 or VOFEDE61XXX – which one to use?

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. Combined, these eight characters make up VOFEDE61 – the version you usually see online.

The full version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office.

Type the code as one block, in upper case and without separators. A single character can send the money to a different institution, so copy it carefully.

Changed bank details? Be careful

Be wary when a contact unexpectedly asks you to send money to a different account abroad. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check changed bank details via a separate channel, such as a phone number you already know, 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? Contact your bank without delay and ask them to try to recall the payment.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof.

What to give a sender who pays you at Volksbank Friedrichshafen EG

To receive a transfer from abroad into your account at Volksbank Friedrichshafen EG, the sender has to have not just the BIC. That means: your full name as registered with Volksbank Friedrichshafen EG, your account number or IBAN, the SWIFT/BIC code VOFEDE61XXX (or VOFEDE61) and usually your postal address.

Certain banks also ask for the bank’s address. Check the details before you share them.

What lands in your account can be less than the amount sent. Intermediary banks may deduct a fee, Volksbank Friedrichshafen EG may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. On invoices, you can state who bears the costs.

Euro transfers to Volksbank Friedrichshafen EG: is a BIC needed?

Germany belongs to the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN.

For anything other than euros and for senders outside SEPA, VOFEDE61XXX remains part of the payment details. If a payment form has a field for the BIC regardless, entering VOFEDE61 is fine.

SEPA transfers normally land by the next business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, a SEPA transfer is cheap.

What a transfer from Volksbank Friedrichshafen EG abroad really costs

When you transfer money abroad via Volksbank Friedrichshafen EG, the fee you see is only part of what you pay. Besides the transfer fee, banks in between may take a cut, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate separately – you only notice it if you compare. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialist money transfer services frequently use a rate near the mid-market rate. GoldexPay compares what recipients receive across providers, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Volksbank Friedrichshafen EG.

Euro (EUR) and conversion costs

Most accounts at Volksbank Friedrichshafen EG are typically held in EUR, the local currency of Germany. If you send money in a different currency gets converted somewhere along the way. You rarely see a separate line for that conversion.

Who does the conversion has an effect on how much arrives. In many cases you pay less to send EUR straight away through a provider with a good rate rather than letting the receiving bank convert.

Rates for EUR move all the time – some services let you fix a rate in advance. On larger amounts, even small gap in the rate adds up quickly.

How to check VOFEDE61 before you pay

Ask the recipient to copy the bank details directly from their banking app. If the code you have does not match VOFEDE61 or VOFEDE61XXX, stop and ask: check with the recipient or with Volksbank Friedrichshafen EG directly.

Mistakes in the BIC tend to be annoying more than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

A validity check in your banking app only tells you that the code is valid – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient gives extra certainty. For a first payment, some people send a small test amount and wait for confirmation.

Head office or branch code at Volksbank Friedrichshafen EG?

Having 3 codes in 3 locations, Volksbank Friedrichshafen EG is one of the banks that use individual codes for branches. The head office code is VOFEDE61XXX.

For most incoming transfers, the head office code VOFEDE61XXX is the right choice. A branch code only makes sense when the account holder explicitly asks for it, which is more common for business accounts and trade services.

Unsure which code applies? Ask the recipient. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.