De Volksbank N.V. SWIFT/BIC code

De Volksbank N.V. SWIFT code: SNSBNL2A

Whether you are given SNSBNL2A or SNSBNL2AXXX, it is the identical identifier for De Volksbank N.V. in Netherlands. Every bank on the SWIFT network uses these codes to route payments between countries to the right bank. In practice you usually see the code on international invoices, in your banking app and on the account details that De Volksbank N.V. provides.

We wrote this page to help people who pays into an account at De Volksbank N.V. without mistakes. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

Transfer times and tracking a payment to De Volksbank N.V.

How quickly a transfer arrives at De Volksbank N.V. is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Transfers sent late in the day or just before weekends and holidays usually go out a business day later. Compliance checks by one of the banks can also add some delay, even when all details are correct.

If a transfer is late, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often provide tracking online so you can see where the payment is.

The bank that sent the money is able to start an official trace. On the receiving end, it helps to look at your account for a partial amount because fees can reduce the amount.

Receiving money from abroad at De Volksbank N.V.

For an international payment into your account at De Volksbank N.V., the sender has to have more than the BIC. The basics are: your name, IBAN or account number, SNSBNL2AXXX or SNSBNL2A and, for some countries, your home address.

Certain sending banks also ask for the name and address of De Volksbank N.V. in Utrecht, so keep it at hand. A mistake in your account number can be more trouble than you might think.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee, and when currencies differ, a markup on the rate comes on top. For business payments, it is common to state how the fees are split, so that nobody is left short.

Sending money abroad from De Volksbank N.V.

When you transfer money to another country via De Volksbank N.V., the visible fee is rarely all of the cost. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Banks do not list their exchange rate markup separately. Check their rate with the mid-market rate; the gap is what conversion costs you.

Money transfer services often use a rate near the mid-market rate. Before your next transfer, take a minute comparing what arrives on GoldexPay. You can always use your account at De Volksbank N.V. as the source of the money; only the conversion and sending happen elsewhere.

Changed bank details? Be careful

Stay alert if someone suddenly asks you to send money to another account abroad. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Verify changed payment details via a different channel, such as a phone number you already know. Urgency and secrecy tend to be warning signs – a real supplier can wait a day. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference abroad. A payment confirmation from the sender proves nothing – check your own account.

What the XXX in SNSBNL2AXXX means

The layout of a BIC is always the same: four characters for the institution, two for the country and two for the location. That gives you SNSBNL2A.

Most payment forms accept either length. If a form requires eleven characters, enter SNSBNL2AXXX; if it wants eight, use SNSBNL2A.

Do not add spaces when you type SNSBNL2A; the code is always written in one block. Pasting the code is safer than typing it by hand, because one wrong letter changes the bank.

Paying into De Volksbank N.V. in EUR

The currency in Netherlands is the Euro (EUR). When you pay money in a different currency it gets converted at some point. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives. Sending the amount already in EUR usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The rate for EUR fluctuates constantly, so the amount you see is usually only valid for a short time. For recurring payments, small differences in the rate add up over time.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from publicly available data and check our list from time to time. Even so, banks merge or change codes. Figures such as the number of codes are from our directory and may differ from what De Volksbank N.V. publishes.

For any payment that matters, always confirm the code with the recipient’s bank or the recipient. We are a comparison service for money transfers and not affiliated with De Volksbank N.V.. If you notice a mistake, we appreciate a message.

Is SNSBNL2A still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it against SNSBNL2A here; if they differ, ask before you pay.

Mistakes in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. An error in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

Most online banking apps check the format of IBANs and some suggest the matching BIC. If your bank offers it, a payee name check on the recipient adds extra certainty. When you pay someone new, some people send a small test amount and wait for confirmation.

Head office or branch code at De Volksbank N.V.?

De Volksbank N.V. has 3 separate SWIFT/BIC codes. One of them is the head office code; the rest belong to branches, and sometimes internal departments.

Usually you do not need to pick a branch: transfers addressed to SNSBNL2AXXX are routed within De Volksbank N.V. correctly. If you have been given a branch code, use it as it is rather than replacing it with the head office code.

The safest route is to take the code directly from the account holder’s invoice. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Paying De Volksbank N.V. in euros within SEPA

Inside SEPA, euro transfers to an account in Netherlands use common rules. A field for the BIC is usually optional or missing for those payments.

A SWIFT code like SNSBNL2A does come into play for payments in other currencies, and for transfers from outside SEPA. Some forms also ask for the BIC out of habit; if so, fill in SNSBNL2A.

Instant euro transfers are increasingly available within SEPA. As long as no currency is converted, the transfer tends to be inexpensive; it is the conversion that costs money.