Aegon Bank N.V. SWIFT/BIC code

Aegon Bank N.V. SWIFT code: AEGONL2U

If an invoice shows AEGONL2U or AEGONL2UXXX, it is the same address for Aegon Bank N.V. in Netherlands. The code has a single purpose: it makes sure that money from abroad reaches the right bank. In practice you mostly come across the code on invoices from abroad, in payment forms and on the account details of Aegon Bank N.V. customers.

On this page you will find how the code is put together, when it matters and which other details a transfer to or from Aegon Bank N.V. requires. The BIC identifies an institution, not a single account, which is why you always need the account number too.

Head office or branch code at Aegon Bank N.V.?

Aegon Bank N.V. has 2 separate SWIFT/BIC codes. One of them is the head office code; the others identify branches.

Unless the recipient tells you otherwise, go with AEGONL2UXXX or its short form AEGONL2U. Branch codes are only needed when the recipient’s bank explicitly asks for it.

Not sure which code applies? Check with the recipient. Codes for branches are more likely to be retired than AEGONL2UXXX when a bank merges or closes offices.

Tracking a transfer to or from Aegon Bank N.V.

How fast a transfer reaches Aegon Bank N.V. depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments may also cause some delay, regardless of the details.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services often show a status online so you can see where the money has got.

If a payment has not arrived after a few business days, the sender needs to contact the bank that sent it. On the receiving end, it helps to look at your statements for a partial amount.

Paying into Aegon Bank N.V. in EUR

Accounts at Aegon Bank N.V. are usually held in EUR, the national currency. When you pay money in a different currency it gets converted somewhere along the way – by your bank, by Aegon Bank N.V. or by a bank in between. There is rarely a separate line for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, since every bank sets its own rate. Transferring the money already in EUR often avoids an extra conversion by Aegon Bank N.V. – as long as your own rate is good.

Rates for EUR change all the time. For regular payments, a slightly better rate add up over a year.

Receiving money from abroad at Aegon Bank N.V.

If you are waiting for money from abroad, give the sender a complete set of details. That means: your full name as registered with Aegon Bank N.V., your IBAN or account number, the SWIFT/BIC code AEGONL2UXXX and usually your address.

Some banks want the bank’s address, so keep it at hand. Double-check each detail before you share them.

Do not be surprised if the amount credited is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, you can state how the fees are split.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a request saying that a contact has a new bank account and asking you to pay there from now on. A correct SWIFT code says nothing about whether the request is genuine.

Always verify changed bank details by phone on a number you know, not one from the message. Watch out for time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Call your bank straight away and have them try to recall the payment.

Fraud can also work the other way: someone claims to have sent more than agreed and wants you to return the extra to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Do you need AEGONL2U for a SEPA transfer?

Netherlands belongs to the Single Euro Payments Area (SEPA), the zone for standardised euro payments. For a standard euro transfer within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

A SWIFT code like AEGONL2U still come into play for payments in other currencies. If a payment form has a field for the BIC regardless, entering AEGONL2U does no harm.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. As long as no currency is converted, the transfer is cheap; it is the conversion that costs money.

Paying someone abroad from your Aegon Bank N.V. account

The price of a payment abroad is made up of more than one component – not just the fee on your screen. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate with clearer fees. Next time you send money, it is worth to compare what arrives on GoldexPay. Choosing a specialist does not require leaving Aegon Bank N.V..

Verifying the SWIFT code of Aegon Bank N.V.

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check that code against AEGONL2U here; if they differ, ask before you pay.

Errors in the BIC tend to be costly rather than disastrous. A mistake in the account number can be more serious, because the money may be credited to someone else; check it just as carefully.

A validity check in your banking app merely confirms that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending gives extra certainty. A small test payment can be a sensible step for a large first payment.

8 or 11 characters: AEGONL2U versus AEGONL2UXXX

A BIC is built from a few fixed parts: characters one to four identify the bank, the next two show the country and the two after that indicate the location. That gives you AEGONL2U, the short form of the code.

Most banks and apps accept both lengths. If yours asks for eleven characters, enter AEGONL2UXXX; if it wants eight, use AEGONL2U.

Leave out spaces or dashes when you enter AEGONL2U; the code is always written in one block. Pasting the code is safer than retyping it.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. Banks merge, close branches and change codes – a directory can be a step behind. The number of codes on this page are based on our own data and not on information from Aegon Bank N.V. itself.

Treat our data as a starting point, not as the last word – the bank details from the recipient are leading. GoldexPay is a comparison site and not affiliated with Aegon Bank N.V.. Spotted an error? Tell us through the contact page.