Central Bank of Ireland SWIFT/BIC code

SWIFT/BIC code of Central Bank of Ireland

IRCEIE2D and IRCEIE2DXXX are two ways of writing the same bank identifier, and both lead to Central Bank of Ireland in Dublin. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

Below we go through the practical side: receiving money at Central Bank of Ireland, paying someone in another country and how to verify a SWIFT code before you hit send. A SWIFT code names a bank or branch, never a specific account, which is why you always need the account number too.

Tracking a transfer to or from Central Bank of Ireland

How fast a transfer arrives at Central Bank of Ireland is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Payments made after the cut-off time or just before weekends and holidays often start a business day later. Extra checks by one of the banks may also add a delay, regardless of the details.

If a transfer seems late, contact the sending bank about the tracking status or the UETR. Money transfer services usually show tracking in their app showing where the money has got.

A missing payment has to be traced from the sending side on the basis of the transfer details. Ask the sender for the payment receipt with the date and reference.

Changed bank details? Be careful

Criminals often use payment requests with changed bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never trust contact details in the same message that contains the new account. Pressure and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. If money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent too much and asks you to refund the extra. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Sending EUR to Central Bank of Ireland

The national currency in Ireland is the Euro (EUR). A payment in a foreign currency will be converted into EUR, and whoever converts it chooses the rate. Every conversion eats into the amount, even when no fee is shown.

Which bank converts the payment makes a difference: every bank has its own margin. Sending the money already in EUR usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, even small gap in the rate adds up quickly.

SEPA payments and the Central Bank of Ireland BIC

Ireland is a member of the Single Euro Payments Area (SEPA). For a standard euro transfer from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. A few banks and apps also ask for the BIC; if so, enter IRCEIE2D.

Instant euro transfers are increasingly available within SEPA – whether Central Bank of Ireland offers them for your account is worth checking. Provided no currency is converted, the transfer is inexpensive; costs rise once a conversion is involved.

Central Bank of Ireland: head office code versus branch codes

Central Bank of Ireland uses 14 different SWIFT/BIC codes. Only one is the head office code, IRCEIE2DXXX; the others belong to branches.

For the vast majority of incoming transfers, the head office code IRCEIE2DXXX is the right choice. A branch code only makes sense if the recipient’s bank explicitly mentions it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more likely to be retired than the head office code.

How up to date is this code?

We collect SWIFT/BIC codes from publicly available data and update them regularly. It is possible that information here is no longer current, for example after a merger. The figures we show are based on our own data.

Before a payment that matters, always confirm the code with Central Bank of Ireland or with the recipient. GoldexPay is a comparison service and not affiliated with Central Bank of Ireland. Spotted an error? Tell us via our contact form.

What the XXX in IRCEIE2DXXX means

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and a two-character location code, sometimes followed by a branch code. In this case, that core is IRCEIE2D.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is typed in capitals and without spaces. A single character may route the money to a different institution, so check it twice.

Paying someone abroad from your Central Bank of Ireland account

If you transfer money to another country from Central Bank of Ireland, the fee you see is rarely all of what you pay. Besides a fixed fee, banks in between may take a cut, and when the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

The real cost is often in the rate, rather than in the fee: many banks convert at a rate that includes a margin. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use a rate near the mid-market rate and lower fees. GoldexPay lists these services next to each other so you can see what actually arrives before you commit. You can always use your account at Central Bank of Ireland, while a cheaper service handles the conversion.

How to check IRCEIE2D before you pay

The safest source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare it against IRCEIE2D here; if they differ, ask before you pay.

If the code is wrong, the payment may be delayed, be returned or cost extra. Do not forget the account number: an error there is more difficult to correct than a wrong BIC.

An automatic check in your banking app only tells you that the code is valid, not that it is the right account. Where available, a payee name check before sending gives an extra layer of safety. Sending a small amount first can be worth it for large sums, even if it costs an extra fee.

Incoming international payments to Central Bank of Ireland

For a transfer from abroad into your account at Central Bank of Ireland, the person paying you has to have not just the BIC. Share your name as the bank knows it, your account number or IBAN, the BIC IRCEIE2DXXX and your address, which some banks require.

Their bank might also ask for the address of your bank; the head office in Dublin is usually fine. Check each detail before you share them, because the sender’s bank usually copies them as is.

Money from abroad does not always land in full. Correspondent banks can take a fee, Central Bank of Ireland may charge for incoming payments, and if the currency changes, an exchange rate margin applies. Make clear with the sender who pays which costs.