SWIFT/BIC codes in Netherlands: banks starting with I

Finding a SWIFT code in Netherlands

In Netherlands our database holds 1714 SWIFT/BIC codes from 704 banks. A BIC tells every bank in the chain exactly which bank is meant to get the money.

Choose the bank from the list to see the head office code and its other codes, plus practical notes for sending and receiving money. Below the list we explain how a code from Netherlands is put together, how to send money to Netherlands without overpaying and what to check before you pay.

Recognising a SWIFT code from Netherlands

Bank identifier codes use one international format: 8 characters plus an optional three-character extension. It starts with a four-letter bank code, followed by a two-letter country code and a two-character location code.

In every code from Netherlands, characters five and six are the two-letter ISO code of Netherlands, which makes these codes easy to recognise. A code with a different country code belong to another country, even if the bank name looks familiar.

An 11-character code ends in a branch code. Use a branch code only if the recipient explicitly gives you one – otherwise stick with the head office.

What a transfer to Netherlands really costs

An international bank payment to Netherlands can cost more than the fee suggests. On top of a fixed fee, intermediary banks may take a cut, and when the money is converted the bank often applies a less favourable rate than 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 rate you are offered with the mid-market rate. The difference is your real cost.

For many routes, a transfer service turns out to be cheaper than a traditional bank transfer. Before you send money to Netherlands, take a minute to compare what arrives via GoldexPay rather than accepting the first rate you see.

Verifying a SWIFT code from Netherlands

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a statement or their online banking. When the code you were given does not match our list, do not guess – contact the recipient or their bank.

This list is compiled from public sources and is updated regularly. Banks merge, close branches and retire codes, and no directory catches every change immediately. For a payment that matters, confirm the BIC with the recipient’s bank. We are a comparison site for money transfers.

Be wary of invoices with changed bank details – a common fraud method. A real SWIFT code tells you nothing about who owns the account – scammers use the codes of real banks.

SWIFT codes in Netherlands: banks under :letter

You are looking at a filtered list: only banks in Netherlands whose name begins with :letter. The totals mentioned above still refer to the whole country and not only this selection.

Some banks appear under their legal name, so the letter can differ from what you expect. Use the full list for Netherlands if you do not know how the name is spelled.

Which bank in Netherlands has the most codes?

Robeco Institutional Asset Management B.V. leads our list of Netherlands banks in the number of SWIFT/BIC codes. Its main office uses RGVMNL2RXXX; that is usually the right code for a transfer.

Many codes usually means separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Making a payment to Robeco Institutional Asset Management B.V.? Use RGVMNL2RXXX except when the recipient gives you a branch code.

Paying in EUR: what conversion costs you

Bank accounts in Netherlands are typically held in EUR – the Euro. Money sent in a different currency is exchanged into EUR on its way to the recipient, and whoever converts it chooses the rate.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. In many cases it is cheaper if you send EUR directly through a transfer service that converts near the mid-market rate so the receiving bank does not need to convert again. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Receiving money in Netherlands from abroad

For a transfer from abroad into a Netherlands account, the person paying you has to have more than the BIC. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and usually your postal address.

Your bank’s code appears in the list on this page but always compare it with your own bank details. You can add your bank’s name and city as well.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of your bank. Agree with the sender who pays which costs before the money is sent.

SEPA transfers to Netherlands

Within the SEPA zone, euro transfers to Netherlands follow common rules and in most cases need only the IBAN. The BIC field is usually optional for those payments.

You still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. Instant payments in euros are increasingly supported across SEPA, though not every bank offers them for every account. Fees are generally low provided everything stays in euros – conversion is what costs money.

When does money sent to Netherlands arrive?

There is no fixed delivery time for transfers to Netherlands: many land within a day. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later.

If the money is late, ask the sender to contact the sending bank for a trace – the receiving bank often cannot see a payment that has not arrived. Specialist transfer services often show tracking in their app.