SWIFT/BIC codes in Ireland: banks starting with S

SWIFT/BIC codes in Ireland

Our directory lists 675 banks and financial institutions in Ireland, with 1087 SWIFT/BIC codes in total. You will need a SWIFT/BIC code mostly for payments across borders and for payments in a foreign currency.

Choose a bank from the list to see the head office code and any branch codes along with tips for payments to and from that bank. Below the list you can read how a code from Ireland is put together, how to send money to Ireland without overpaying and how to check a code before you pay.

Paying in EUR: what conversion costs you

Ireland pays in the Euro (EUR). A payment in a foreign currency is converted into EUR.

Who converts the money makes a difference, because each party uses its own rate. In many cases it is cheaper if you send EUR directly through a provider with a good rate so the receiving bank does not need to convert again. On larger amounts, even a small gap in the rate adds up quickly.

When does money sent to Ireland arrive?

How quickly a payment reaches Ireland is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in Ireland or in the sending country add a day or more to the journey.

If a transfer seems late, the sender should contact their own bank for a trace – the receiving bank often cannot see a payment that has not arrived. Keep the payment confirmation – you will need it if something goes wrong.

The cheapest way to send money to Ireland

The price of a transfer to Ireland is made up of several parts – not only the fee you see. On top of the fee, intermediary banks can deduct a charge, and when the money is converted the bank often applies a rate below the actual market rate.

The real cost is often in the rate – the bank builds a margin into its rate. Check the bank’s rate against the mid-market rate; the gap is what conversion costs you.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares transfer services next to each other, showing the amount that reaches the recipient.

Receiving money in Ireland from abroad

If you are waiting for money from abroad in Ireland, send the payer a complete set of details. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your postal address.

Look up the bank in the list on this page – your bank statement is the final word. Certain banks also want your bank’s address.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. On invoices, agree who bears the costs.

Verifying a SWIFT code from Ireland

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a statement or their online banking. If the code you have differs from the code listed here, do not guess.

We collect bank codes using publicly available data and check our list regularly. Still, banks merge, rename themselves or change codes. Treat this list as a reference rather than the last word. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers often send fake invoices carrying changed bank details that look completely genuine. A valid BIC tells you nothing about who owns the account.

SWIFT codes in Ireland: banks under :letter

This filter limits the list down to banks in Ireland starting with :letter, so you can find a bank faster. The totals on this page apply to all 675 banks, not just the ones under :letter.

Cannot find the bank? The registered name might begin with another word, for example the full legal name rather than a brand name. The full overview for Ireland remains available when you cannot find the bank here.

SEPA transfers to Ireland

Inside SEPA, euro transfers to Ireland use common rules. The BIC field is often optional in that case.

You will still need a SWIFT code for non-euro payments or money from outside the SEPA area. SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Provided no conversion is involved, a SEPA transfer tends to be cheap.

Most SWIFT codes in Ireland: Danske Bank A/S

Among the 675 institutions we list, Danske Bank A/S has the most SWIFT/BIC codes in Ireland. The head office of Danske Bank A/S uses DABAIE2DXXX; that is usually the right code for a transfer.

Banks differ in how many codes they register. Paying someone at Danske Bank A/S? Use DABAIE2DXXX except when the recipient gives you a branch code.

How SWIFT codes from Ireland are built

A BIC is either 8 or 11 characters long and follows a fixed pattern. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

Whatever the bank, every code from Ireland share the same fifth and sixth letters. When the country letters point to another country, the code belongs to a bank in another country.

If the last three are XXX, it means the head office, and the 8-character version leads to the same place. For most transfers the head office code is fine.