Ulster Bank Ireland Dac SWIFT/BIC code

What ULSBIE2D means for a payment to Ulster Bank Ireland Dac

The 8-character code ULSBIE2D and the 11-character code ULSBIE2DXXX refer to the same bank: Ulster Bank Ireland Dac, with its head office in Dublin. A SWIFT code tells the sending bank which institution should receive the money. You will need it mainly for payments that cross a border and payments in foreign currencies.

Further down you will find the practical questions: receiving money at Ulster Bank Ireland Dac, sending money abroad and how to check the code before you confirm a payment. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN .

Tracking a transfer to or from Ulster Bank Ireland Dac

How quickly a transfer reaches Ulster Bank Ireland Dac depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Payments made after the cut-off time or just before weekends and holidays usually go out the next business day. Compliance checks by one of the banks may also add a delay, regardless of the details.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the person who paid should start with the bank that sent it rather than Ulster Bank Ireland Dac. As a recipient, it helps to check your statements for a partial amount.

Getting paid from abroad into a Ulster Bank Ireland Dac account

For an international payment into your account at Ulster Bank Ireland Dac, the person paying you needs more than the SWIFT code. Give them your name as the bank knows it, the IBAN or account number, the BIC ULSBIE2DXXX and your address, which some banks require.

Some sending banks want the name and address of Ulster Bank Ireland Dac. Double-check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often less than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Do you need ULSBIE2D for a SEPA transfer?

Ireland is part of the SEPA area, where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

For anything other than euros and for senders outside SEPA, ULSBIE2DXXX is still part of the payment details. A few forms still ask for the BIC; in that case, fill in ULSBIE2D.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. As long as no currency is converted, a SEPA transfer tends to be inexpensive; it is the conversion that costs money.

What the XXX in ULSBIE2DXXX means

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. Together, those parts form ULSBIE2D.

The long version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so ULSBIE2DXXX and ULSBIE2D are interchangeable.

Type the code in one piece, in capitals and without spaces, exactly as shown here. A wrong character can send a payment to another bank, so copy it carefully.

About this information

This directory is based on public sources and is updated regularly. Even so, banks merge or change codes, so information can be out of date. Counts and locations come from our directory.

See our directory here as a handy check, and let the details from the recipient or Ulster Bank Ireland Dac have the final say. GoldexPay is an independent comparison service and not part of Ulster Bank Ireland Dac. Spotted an error? Let us know via our contact form and we will look into it.

The Euro and what conversion costs you

Accounts at Ulster Bank Ireland Dac are typically held in EUR, the national currency. A payment in a foreign currency is exchanged into EUR. There is rarely a separate charge for that conversion.

Who converts the money makes a difference, because each party uses its own rate. Often you pay less if you send EUR straight away via a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR move all the time. For regular payments, a slightly better rate make a real difference over time.

Verifying the SWIFT code of Ulster Bank Ireland Dac

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare that code with ULSBIE2D on this page; if they differ, ask before you pay.

Mistakes in the BIC tend to be costly more than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: an error there can be harder to correct than a wrong BIC.

A validity check by your bank only confirms that the code is valid, not that it is the right account. If your bank offers it, a payee name check on the recipient gives an extra layer of safety. Sending a small amount first is worth it for large sums, even if it costs an extra fee.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message saying that a supplier has a new bank account. The fact that ULSBIE2D exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Before paying, confirm a change of bank details through a phone call. Urgency or requests to keep it quiet are red flags; a genuine business can wait for you to check. When money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

What a transfer from Ulster Bank Ireland Dac abroad really costs

If you send money abroad via Ulster Bank Ireland Dac, the visible fee is rarely all of the cost. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service is less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Ulster Bank Ireland Dac.

Choosing between the 4 SWIFT codes of Ulster Bank Ireland Dac

We have 4 SWIFT/BIC codes for Ulster Bank Ireland Dac in 1 cities. Besides the head office code ULSBIE2DXXX, you will find codes for individual branches and departments.

Usually there is no need to pick a branch: transfers sent to ULSBIE2DXXX reach Ulster Bank Ireland Dac without problems. Branch codes are only needed if the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes can change when banks reorganise.