SWIFT/BIC codes in Ireland: banks starting with M

Ireland: banks and their SWIFT/BIC codes

Here you will find codes for 675 banks in Ireland – 1087 codes altogether. Each code identifies a bank or a specific branch or department and tells other banks where an international payment should go.

Every bank has its own page with its main code and if there are any, branch codes. Below the list we explain how codes from Ireland are built, how to send money to Ireland at a fair price and what to check before you pay.

Receiving money in Ireland from abroad

If you are waiting for money from abroad on an account in Ireland, send the payer a complete set of details. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

Your bank’s code is in the list on this page, yet the version on your own statement or in your banking app is leading. Some banks may also want your bank’s address; it does no harm to include it.

Do not be surprised if the incoming amount is below what the sender paid. Fees for incoming transfers differ per bank; check the price list of your bank. For business payments, agree how the fees are split, so nobody is left short.

Euro payments to Ireland: is a BIC needed?

Inside SEPA, euro payments to Ireland use the same rules, so the IBAN does the job in most cases. A field for the BIC is often optional in that case.

You will still need the BIC when sending non-euro payments or money from outside the SEPA area. Euro payments within SEPA normally land within one business day or faster with instant payments. Costs stay low provided no currency is converted – conversion is what costs money.

Verifying a SWIFT code from Ireland

The best place to find the correct BIC is a document from the bank itself. If the code you have differs from the code listed here, stop and ask.

The directory on GoldexPay is compiled from publicly available sources that we update periodically. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Treat this list as a starting point. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Scammers often use fake invoices with changed bank details. Always verify a change of bank details by phone, using a number you already had.

Banks in Ireland starting with :letter

The letter filter limits the list down to banks from Ireland that begin with :letter, so you can find a bank faster. The figures for Ireland mentioned here cover all 675 banks and not only this letter.

Cannot find the bank? Its official name might start with a different letter, for example the full legal name rather than a brand name. The full overview for Ireland is available if the letter filter does not help.

Paying in EUR: what conversion costs you

The national currency of Ireland is the Euro (EUR). When you pay money in a different currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Check what EUR arrives via different providers; the difference between options can be larger than you expect. With bigger transfers, even a small gap in the rate can be worth more than the fee.

What the letters in a Ireland BIC mean

SWIFT/BIC codes use the same format worldwide: eight characters, sometimes followed by three more. Characters one to four stand for the bank, characters five and six form the country code and the next two mark the location.

Whatever the bank, every code from Ireland share the same fifth and sixth letters. When those two letters do not match Ireland, you are looking at a bank in another country, so check again.

The long version adds three characters for a branch. Choose a branch code only when the recipient explicitly gives you one; otherwise the head office code is the safe choice.

The largest SWIFT network in Ireland: Danske Bank A/S

Danske Bank A/S tops the list of Ireland banks in SWIFT/BIC codes. The head office uses DABAIE2DXXX.

Banks differ in whether they register branch codes – a high count is not a measure of size. Paying someone at Danske Bank A/S? Go with DABAIE2DXXX unless the recipient gives you a branch code.

Tracking a payment to Ireland

There is no single answer for payments to Ireland: many land the same day or the next. Public holidays in either country can add extra days.

When a payment takes longer than expected, ask the sender to contact their own bank for a trace – the receiving bank often cannot see a payment that has not arrived. Money transfer services often provide a status online.

What a transfer to Ireland really costs

If you send money to Ireland through a regular bank, the stated fee is rarely all of what you pay. There is the transfer fee, sometimes fees from correspondent banks and, most importantly, the margin on the exchange rate when currencies differ.

That exchange rate margin is often the biggest cost item. Check the rate you are offered with the mid-market rate, the midpoint you see on financial news sites.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the exchange rate. On GoldexPay you can compare the amount that arrives in Ireland with different providers, which makes the cheapest option easy to spot.