Adyen B.V. SWIFT/BIC code

What ADYBNL2A means for a payment to Adyen B.V.

The 8-character code ADYBNL2A and the 11-character code ADYBNL2AXXX identify one and the same institution: Adyen B.V., with its head office in Amsterdam. A SWIFT code shows the sending bank which institution is meant to get the money, a bit like a postal address for banks. In daily life you usually see it on invoices from abroad, in payment forms and on the account details that Adyen B.V. provides.

On this page we explain what the code is put together, when you need it and which other details you need for a transfer to or from Adyen B.V.. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

What to give a sender who pays you at Adyen B.V.

For a transfer from abroad at Adyen B.V., the sender has to have more than the BIC. The basics are: the account holder’s name, account number or IBAN, ADYBNL2AXXX or ADYBNL2A and often your home address.

Some sending banks also ask for the bank’s address in Amsterdam; it does no harm to include it. A mistake in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary per bank. Agree with the sender who covers the fees.

Which of the 3 codes of Adyen B.V. do you need?

Adyen B.V. uses 3 different SWIFT/BIC codes across 1 cities. Only one is the head office code; the others belong to branches or departments.

In most cases you do not need to pick a branch: transfers addressed to ADYBNL2AXXX reach Adyen B.V. correctly. A branch code only makes sense when the account holder specifically asks for it, which is more common for corporate accounts and trade services.

Unsure which code to use? Check with the recipient. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

When will the money arrive at Adyen B.V.?

How quickly a payment reaches Adyen B.V. is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks by one of the banks can also cause some delay.

A growing number of banks use SWIFT gpi. Each gpi transfer carries a unique reference, the UETR. Specialist transfer services often show a status online so you can see where the payment is.

A delayed transfer has to be investigated from the sending side. As a recipient, it helps to check your account for a partial amount.

A note on our data

The details on this page come from public sources which we refresh regularly. It can happen that information here is out of date. Counts and locations come from our own dataset.

See the information here as a handy check and rely on the recipient or Adyen B.V. for the final confirmation. GoldexPay has no connection to Adyen B.V.; we are a comparison site for money transfers. Spotted outdated information? Tell us via our contact form and we will look into it.

Changed bank details? Be careful

A common scam works like this: you receive a message claiming that a supplier has new bank details. That ADYBNL2A is a real code does not mean that a request mentioning it is genuine.

Verify new bank details through a different channel, such as a phone number you already know. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If a payment has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference to another account. Do not act before the money is actually in your account.

Paying Adyen B.V. in euros within SEPA

Netherlands is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need ADYBNL2AXXX for payments in other currencies or transfers from countries outside SEPA. If a payment form asks for the BIC anyway, entering ADYBNL2A is fine.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Fees for SEPA payments are generally low as long as everything stays in euros.

Why Adyen B.V. has an 8- and an 11-character code

A BIC is built from fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that indicate the location. In this case, the 8-character core is ADYBNL2A.

XXX at the end of ADYBNL2AXXX is not a placeholder or a mistake: it stands for the main office of Adyen B.V.. Some banking apps ask for 11 characters, and then you simply enter XXX after ADYBNL2A.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Paying into Adyen B.V. in EUR

Netherlands pays in the Euro, code EUR. When you pay another currency, the amount has to be converted at some point: by your bank, an intermediary or Adyen B.V. itself. Every conversion costs the amount, even when no fee is shown.

Which bank converts the money matters. Often it is cheaper if you send EUR straight away through a transfer service with a good rate rather than letting the receiving bank convert.

Rates for EUR move during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate add up over a year.

Sending money abroad from Adyen B.V.

What you pay for a payment abroad has several parts – not just the fee on your screen. There is the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate with a margin built in. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay you can compare what recipients receive with different services, so you can pick the cheapest route. Choosing a specialist does not mean closing your account at Adyen B.V..

Verifying the SWIFT code of Adyen B.V.

Ask the recipient to send you the account details directly from a recent statement. Check it with ADYBNL2A on this page.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. A mistake in the account number can be more serious; check it just as carefully.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically. More and more banks check the name with the account before you confirm; take any warning seriously. A small test payment is a sensible step for a large first payment despite the extra fee.