Volksbank Jever EG SWIFT/BIC code

VOJEDE81 – the SWIFT/BIC code of Volksbank Jever EG

Whether you are given VOJEDE81 or VOJEDE81XXX, you are looking at the same identifier for Volksbank Jever EG in Germany. Every bank on the SWIFT network uses these codes to route payments between countries to the correct bank. You will need it mostly when dealing with transfers between countries or a currency.

Further down you will find the practical questions: receiving money at Volksbank Jever EG, paying someone in another country and how to check the code before you confirm a payment. A SWIFT code identifies a bank or branch, not a specific account, which is why you always need the account number too.

How long does an international transfer to Volksbank Jever EG take?

A SWIFT payment usually takes one to a few business days, depending on the currency, the route and the banks involved. Payments made late in the day or on a weekend or public holiday usually start a business day later. Compliance checks on larger or unusual payments can also add a delay.

A growing number of banks are connected to SWIFT gpi. Each payment carries a unique reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms.

A delayed transfer has to be traced from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Getting paid from abroad into a Volksbank Jever EG account

For a transfer from abroad at Volksbank Jever EG, the person paying you needs more than the SWIFT code. That means: your full name as registered with Volksbank Jever EG, your account number or IBAN, the BIC VOJEDE81XXX and usually your postal address.

Their bank might request the address of your bank; the head office in Schortens is usually fine. A typo in the IBAN can be harder to fix than you might think, so copy the details from your online banking.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, Volksbank Jever EG may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. For business payments, you can state who bears the costs.

Watch out for payment fraud

Scammers often use payment requests containing changed bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about who owns the account.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If money has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. Do not act before the money is actually in your account.

8 or 11 characters: VOJEDE81 versus VOJEDE81XXX

A BIC is made up of fixed blocks: characters one to four identify the bank, the next two give the country and the two after that indicate the location. Together, these eight characters make up VOJEDE81.

The long version has three more characters that identify a branch or department. If the last three are XXX, the code points to the head office.

Do not add spaces when you type VOJEDE81. Watch for O versus 0 and the letter I and the digit 1; they are easy to mix up.

Euro (EUR) and conversion costs

Most accounts at Volksbank Jever EG are usually held in EUR, the national currency. Money sent in a different currency will be exchanged into EUR. There is rarely a separate charge for that conversion; it is built into the rate.

Where the conversion happens has an effect on how much arrives. Sending the amount directly in EUR usually prevents an extra conversion by Volksbank Jever EG.

The EUR rate changes constantly. On larger amounts, even small difference in the rate adds up quickly.

Paying Volksbank Jever EG in euros within SEPA

Germany is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros from another SEPA country, you normally only need the IBAN.

The BIC still come into play for payments in other currencies. A few banks and apps still show a field for the BIC; if so, enter VOJEDE81 or VOJEDE81XXX.

Instant payments in euros are widely supported within SEPA – whether Volksbank Jever EG offers them for your account is worth checking. As long as the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

International transfers from Volksbank Jever EG: the real cost

An international bank payment costs more than the listed fee. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, above all, the exchange rate markup.

Many banks rarely list their exchange rate markup as a cost. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares what recipients receive across providers, so you can pick the cheapest route. Using a transfer service does not mean closing your account at Volksbank Jever EG.

Is VOJEDE81 still correct? How to check

Ask the recipient to copy the account details directly from their online banking. Check it against VOJEDE81 on this page and ask if anything does not match.

Errors in the BIC tend to be annoying more than disastrous – usually the money comes back, minus fees and time lost. A mistake in the account number can be more serious.

Many banking apps check the structure of IBANs and sometimes look up the BIC automatically. If your bank offers it, a name check before sending adds extra certainty. For a first payment, many people start with a small amount first.

Volksbank Jever EG: head office code versus branch codes

With 3 codes, Volksbank Jever EG is one of the banks that register separate codes for branches and departments. The main code is VOJEDE81XXX.

Unless the recipient tells you otherwise, go with VOJEDE81XXX. Only use a branch code when the account holder explicitly asks for it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are more likely to change than the head office code.

About this information

We gather SWIFT/BIC codes using public sources and check our list regularly. It is possible that information here is no longer current, for example after a merger. The number of codes on this page are based on our own data, not official figures from Volksbank Jever EG.

Use this page as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Volksbank Jever EG, we only compare transfer services. Should you notice something that is out of date, we welcome a short note via the contact page.