ABN Amro Clearing Bank N.V. SWIFT/BIC code

ABNCNL2A – the SWIFT/BIC code of ABN Amro Clearing Bank N.V.

ABNCNL2A and ABNCNL2AXXX are two spellings of the same bank identifier, and both lead to ABN Amro Clearing Bank N.V. in Amsterdam. Every bank on the SWIFT network uses these codes to direct international transfers to the correct bank. It comes up mainly when dealing with transfers between countries.

We wrote this page to help people who receives money at an account at ABN Amro Clearing Bank N.V. without mistakes. Remember that the BIC just identifies the bank, not the person: the IBAN or account number does that part.

How to check ABNCNL2A before you pay

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code with ABNCNL2A here and ask if anything does not match.

A wrong SWIFT code can cause a delay, a returned payment or additional charges along the way. Remember the IBAN: an error there can be harder to correct than a wrong BIC.

An automatic check in your banking app only confirms that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks check the payee name with the account before you confirm; take any warning seriously. For a first payment, some people send a small test amount before sending the rest.

Paying ABN Amro Clearing Bank N.V. in euros within SEPA

Because Netherlands is in SEPA, a euro transfer into ABN Amro Clearing Bank N.V. from within the SEPA area normally requires just the IBAN. Most banking apps do not require the BIC for these payments or fill it in for you.

The BIC does matter when the currency is not euros, and for transfers from outside SEPA. If your banking app asks for the BIC anyway, entering ABNCNL2A does no harm.

Instant payments in euros are widely available across SEPA. Provided the payment stays in euros, the transfer tends to be inexpensive; costs rise once a conversion is involved.

What the XXX in ABNCNL2AXXX means

A BIC is made up of fixed blocks: characters one to four identify the bank, the next two give the country and characters seven and eight mark the location. The result is ABNCNL2A for ABN Amro Clearing Bank N.V..

Many banks and apps accept either length. If a form asks for eleven characters, enter ABNCNL2AXXX.

As a rule the code is written in capitals. Look out for O versus 0 or I versus 1; they are easy to mix up.

Which of the 19 codes of ABN Amro Clearing Bank N.V. do you need?

With 19 codes in 1 cities, ABN Amro Clearing Bank N.V. is one of the banks that use individual codes for parts of the organisation and departments. The main code is ABNCNL2AXXX.

In most cases you do not need to look up a branch: payments sent to ABNCNL2AXXX reach ABN Amro Clearing Bank N.V. without problems. When you receive a branch code, use it as it is rather than swapping it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more likely to change than ABNCNL2AXXX when a bank merges or closes offices.

Paying someone abroad from your ABN Amro Clearing Bank N.V. account

If you send money abroad through ABN Amro Clearing Bank N.V., the visible fee is rarely all of what you pay. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

Banks do not show their exchange rate markup as a cost. A simple test: set the rate you get next to the mid-market rate and look at the difference.

Money transfer services often offer a rate near the mid-market rate. Before your next transfer, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving ABN Amro Clearing Bank N.V.: you simply pay the service from your account.

Getting paid from abroad into a ABN Amro Clearing Bank N.V. account

When you are waiting for a payment from another country, send the payer all details at once. The basics are: the account holder’s name, IBAN or account number, ABNCNL2AXXX and in many cases your postal address.

It helps to add the bank name and its city too. Double-check the details before you send them.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank; check the price list of ABN Amro Clearing Bank N.V.. For business payments, it is common to state how the fees are split to avoid a shortfall.

About this information

Our SWIFT/BIC directory draws on public sources. Even so, banks merge or change codes and our data may lag behind. The number of codes we show are based on what is in our directory, not official figures from ABN Amro Clearing Bank N.V..

Treat our data as a starting point, rather than as the final word: the recipient’s bank details come first. We are a comparison service and not affiliated with ABN Amro Clearing Bank N.V.. Found an error? Tell us through the contact page.

Watch out for payment fraud

Criminals often use fake invoices with changed bank details. The fact that ABNCNL2A exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check new bank details via a separate channel like a call to a number from an earlier contract, not by replying to the message. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from without delay and have them start a recall; also report it to the police.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. Do not act before the money is actually in your account – ask ABN Amro Clearing Bank N.V. if something looks wrong.

The Euro and what conversion costs you

Most accounts at ABN Amro Clearing Bank N.V. are typically held in EUR, the national currency of Netherlands. A payment in a foreign currency will be exchanged into EUR. Every conversion eats into the amount.

Which bank converts the money makes a difference: every bank has its own margin. Transferring the money already in EUR usually prevents a second conversion at the receiving end, provided the rate you get is fair.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. For regular payments, a slightly better rate add up over a year.

How long does an international transfer to ABN Amro Clearing Bank N.V. take?

A SWIFT payment usually takes one to a few business days. Weekends and public holidays in either country can add a day or more to the journey. Extra checks on larger or unusual payments may also cause some delay.

If the money seems delayed, ask the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often show tracking in their app showing where the payment has got.

A delayed transfer is traced by the sending bank on the basis of the transfer details. Ask the sender for a copy of the payment confirmation including the reference – it helps your own bank look for the money.