Ebs D.a.c. SWIFT/BIC code

EBSIIE2D – the SWIFT/BIC code of Ebs D.a.c.

EBSIIE2D and EBSIIE2DXXX are two ways of writing the same bank identifier, and both point to Ebs D.a.c. in Dublin. The code does one job: it ensures that money from abroad reaches the right bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page we explain how the code means, when you need it and what else you need for a transfer to or from Ebs D.a.c.. The BIC names a bank or branch, never a specific account, which is why you always need the account number too.

Transfer times and tracking a payment to Ebs D.a.c.

There is no fixed answer: some arrive the same day or the next while others need several business days. Bank holidays in the sending or receiving country add extra days to the journey. Sometimes a bank asks about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi. Each payment carries a unique reference, the UETR that banks can use to trace it. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid should start with the bank that sent it, not the receiving bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Protect yourself against fake payment requests

Scammers often use fake invoices containing new bank details, sometimes in an email that looks completely genuine. That EBSIIE2D is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Verify new payment details through a different channel, never via the email that asked for the change. Urgency and requests to keep it quiet are warning signs; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment; also report it to the police.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference abroad. A screenshot of a transfer is no proof – check your own account.

Receiving money from abroad at Ebs D.a.c.

For a transfer from abroad at Ebs D.a.c., the person paying you has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code EBSIIE2DXXX (or EBSIIE2D) and sometimes your postal address.

Their bank might request the address of your bank; the head office in Dublin is usually fine. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive in full. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin comes on top. For business payments, you can agree who bears the costs to avoid a shortfall.

Choosing between the 3 SWIFT codes of Ebs D.a.c.

Having 3 codes in 1 locations, Ebs D.a.c. belongs to the banks that use individual codes for parts of the organisation and departments. The main code is EBSIIE2DXXX.

If nobody asks you for a branch code, go with EBSIIE2DXXX or its short form EBSIIE2D. Branch codes are only needed if the recipient’s bank specifically asks for it, which is more common for business accounts and trade services.

The best way is to copy the code directly from the account holder’s bank details. Codes can change over time, so do not rely on old paperwork.

EBSIIE2D or EBSIIE2DXXX – which one to use?

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. In this case, that core is EBSIIE2D.

Most payment forms accept either length. If yours asks for eleven characters, use EBSIIE2DXXX, otherwise EBSIIE2D is fine.

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

Paying into Ebs D.a.c. in EUR

Most accounts at Ebs D.a.c. are usually held in EUR, the national currency. When you pay another currency has to be converted at some point. Each conversion costs the amount, even when no fee is shown.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Check what EUR the recipient gets via several providers before choosing one.

The rate for EUR fluctuates throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate add up over time.

Sending money abroad from Ebs D.a.c.

The price of an international transfer has several parts, and the transfer fee is only the most visible one. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency, the bank often applies a rate below the real market rate.

Many banks do not list the margin on the rate as a cost. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer. GoldexPay lists these services next to each other, showing the amount the recipient gets for the same amount sent. You can always keep your account at Ebs D.a.c. as the source of the money.

Do you need EBSIIE2D for a SEPA transfer?

Since Ireland is part of SEPA, a euro payment into Ebs D.a.c. from within the SEPA area usually only needs the IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

Outside the euro and for senders outside SEPA, EBSIIE2DXXX or EBSIIE2D is still required. A few banks and apps also show a field for the BIC out of habit; in that case, fill in EBSIIE2D or EBSIIE2DXXX.

Euro payments within SEPA normally land by the next business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

Is EBSIIE2D still correct? How to check

Ask the recipient to send you the account details directly from their online banking. Check that code against EBSIIE2D here and ask if anything does not match.

Mistakes in the BIC are costly more than fatal. Do not forget the account number: a mistake there can be harder to undo than a wrong code.

Many banking apps validate the format of an IBAN and some suggest the matching BIC. Some banks now compare the payee name with the account – do not ignore a mismatch warning. Sending a small amount first is a sensible step for a large first payment despite the extra fee.

A note on our data

We gather SWIFT/BIC codes from public sources and check them regularly. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. The number of codes we show are based on our own data, not official figures from Ebs D.a.c..

Treat this page as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Ebs D.a.c.; we are a comparison site for money transfers. If you notice a mistake, we appreciate a short note via the contact page.