SWIFT/BIC codes in Netherlands: banks starting with A

SWIFT/BIC codes in Netherlands

For Netherlands our database holds 1714 SWIFT/BIC codes, spread over 704 banks. A SWIFT code tells every bank in the chain which institution is meant to get an international payment.

Each bank is listed with its own page with the head office code and, where available, codes for branches and departments. Further down you can read how codes from Netherlands are built, how to send money there without overpaying and how to check a code before you pay.

The structure of a Netherlands SWIFT/BIC code

SWIFT/BIC codes follow the same format worldwide: 8 characters. The first four letters stand for the bank, characters five and six are the country code and characters seven and eight mark the location.

Whatever the bank, every code from Netherlands share the same fifth and sixth letters: the ISO code of the country. A code with a different country code belong to another country – a quick way to catch mistakes.

When a code ends in XXX, it refers to the head office. Choose a branch code only if the recipient explicitly gives you one; otherwise the head office code is the safe choice.

Check the code before you pay

Ask the recipient to send you their bank details directly from a recent statement. An incorrect BIC may lead to a delay, a returned payment or extra fees, so compare it with the list on this page.

This list draws on public sources. Even so, banks merge or retire codes and our data may lag behind. Treat this list as a starting point; the recipient’s bank details are leading. GoldexPay is not a bank.

Be wary of payment requests containing a new account – a common fraud method. A valid BIC tells you nothing about whether a request is genuine.

Filter: banks in Netherlands with :letter

The letter filter limits the list down to banks in Netherlands starting with :letter, so you can find a bank faster. The totals mentioned above still cover all banks in Netherlands, not just this letter.

Cannot find the bank? Its official name might start with a different letter. The full overview for Netherlands remains available if the letter filter does not help.

The Euro (EUR) and conversion costs

The currency in Netherlands is the Euro (EUR). Money sent in a different currency will be converted into EUR, and whoever converts it chooses the rate.

Who does the conversion affects how much arrives. In many cases it is cheaper if you send EUR straight away through a transfer service with a good rate so the receiving bank does not need to convert again. Exchange rates change all the time – some providers let you lock in a rate.

What a sender needs to pay you in Netherlands

When you expect money from abroad on an account in Netherlands, give the sender all details at once. 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 address.

Look up your bank in the list on this page to check its code – your bank statement is the final word. Certain sending banks may also ask for your bank’s address.

Expect that the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Agree with the sender who pays which costs, especially for larger amounts.

When does money sent to Netherlands arrive?

A SWIFT payment to Netherlands typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays usually go out the next business day.

If the money is delayed, ask the sender to contact the sending bank for a trace. Keep the payment confirmation until the recipient confirms; a bank needs it to start a trace.

The largest SWIFT network in Netherlands: Robeco Institutional Asset Management B.V.

In our data, Robeco Institutional Asset Management B.V. holds the largest number of SWIFT/BIC codes of all banks in Netherlands. The head office of Robeco Institutional Asset Management B.V. uses RGVMNL2RXXX and that code covers most payments.

Banks differ in how many codes they register, so the count is not a ranking of size. Making a payment to Robeco Institutional Asset Management B.V.? Use RGVMNL2RXXX except when the recipient gives you a branch code.

Netherlands and the SEPA area

Within the SEPA zone, euro payments to Netherlands use common rules, so the IBAN does the job in most cases. The BIC field is often optional for those payments.

The BIC still come into play when the currency is not euros. SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. As long as no conversion is involved, a SEPA transfer tends to be inexpensive.

Sending money to Netherlands for less

A bank transfer to Netherlands can cost rather more than the fee suggests. On top of a fixed fee, correspondent banks can take a cut and, if currencies are converted, the bank often uses a rate below the real market rate.

The real cost is often in the rate, not in the fee – the bank builds a margin into its rate. Check the bank’s rate with the mid-market rate, the midpoint you see on financial news sites.

For many currency pairs, a specialist provider is cheaper than a bank. GoldexPay lists these providers side by side so you can see the amount that reaches the recipient.