Vr-Bank SWIFT/BIC code

SWIFT/BIC code of Vr-Bank

The 8-character code VRBNDE61 and the full code VRBNDE61XXX refer to one and the same institution: Vr-Bank in Maulburg, Germany. Banks worldwide use BIC codes to route international transfers to the correct institution. In practice you usually see the code on invoices from abroad, in your banking app and on the account details that Vr-Bank provides.

This page is meant to help anyone who sends money to an account at Vr-Bank. A SWIFT code identifies an institution, not a single account, which is why you always need the account number too.

Paying Vr-Bank in euros within SEPA

Inside SEPA, euro payments to Vr-Bank follow common rules. A field for the BIC is often optional in that case.

You still need VRBNDE61XXX for non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC regardless, entering VRBNDE61 is fine.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments are generally low as long as everything stays in euros.

Getting paid from abroad into a Vr-Bank account

To receive an international payment at Vr-Bank, the sender needs not just the SWIFT code. The basics are: your name, account number or IBAN, VRBNDE61XXX or VRBNDE61 and often your postal address.

It helps to add the bank name and its city as well, since some forms ask for it. A typo in the IBAN is harder to fix than it looks.

Money from abroad does not always land for the full amount. Intermediary banks may deduct a fee, Vr-Bank may charge for incoming payments, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

VRBNDE61 or VRBNDE61XXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. Together, these eight characters form VRBNDE61.

Many payment forms accept both lengths. If yours asks for eleven characters, enter VRBNDE61XXX, otherwise VRBNDE61 is fine.

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

Transfer times and tracking a payment to Vr-Bank

There is no single answer for every transfer: many arrive the same day or the next. Payments made late in the day or just before a weekend or public holiday usually go out the next business day. Compliance checks on larger or unusual payments can also cause a delay, regardless of the details.

If the money is delayed, contact your bank for the status or the UETR so they can trace it along the chain. Money transfer services often show a status in their app showing how far the payment has got.

A missing payment is investigated by the sending bank on the basis of the transfer details. On the receiving end, it helps to look at your account to see a partial amount because fees can reduce the amount.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from public sources and update them regularly. Institutions reorganise, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes are from our own dataset and are not confirmed by Vr-Bank.

Treat the information here as a helpful check and rely on the recipient or Vr-Bank for the final confirmation. GoldexPay is a comparison site for money transfers and not affiliated with Vr-Bank. Spotted outdated information? Tell us via our contact form so we can correct it.

Before you send: check the Vr-Bank code

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it against VRBNDE61 on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a returned payment or extra fees for investigation. Do not forget the IBAN: a mistake there is more difficult to undo than a wrong code.

An automatic check in your banking app merely confirms that the IBAN exists. Some banks now compare the name against the account before you confirm – do not ignore a mismatch warning. A small test payment is a sensible step for a large first payment.

Vr-Bank: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Vr-Bank, spread over 2 cities. Besides the head office code VRBNDE61XXX, there are codes for individual branches and departments.

If nobody asks you for a branch code, go with VRBNDE61XXX. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

Unsure which code applies? Check with the recipient or the bank itself. Codes are sometimes changed or retired when banks reorganise.

Changed bank details? Be careful

Stay wary if a contact suddenly asks you to send money to another account abroad. That VRBNDE61 is a real code is no guarantee that the account is legitimate.

Verify new bank details through a separate channel, such as a phone number you already know, not by replying to the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is an overpayment followed by a request to send back the difference abroad. Wait until the money has really arrived and check with Vr-Bank if anything seems off.

International transfers from Vr-Bank: 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 in between and, most importantly, the exchange rate markup when the money is converted.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate. Next time you send money, take a minute to compare what arrives on GoldexPay. You can always keep your account at Vr-Bank, while a cheaper service handles the conversion.

Sending EUR to Vr-Bank

The currency in Germany is the Euro (EUR). When you pay money in a different currency has to be converted at some point: by your bank, an intermediary or Vr-Bank itself. Each conversion costs something.

Who does the conversion has an effect on how much arrives. Sending the money directly in EUR usually prevents a second conversion by Vr-Bank, provided the rate you get is fair.

Rates for EUR change during the day, and some providers let you lock in a rate. With bigger transfers, a small gap in the rate can be worth more than the fee.