SWIFT/BIC codes in Netherlands: banks starting with J

Finding a SWIFT code in Netherlands

This overview contains 704 banks and other institutions in Netherlands and 1714 SWIFT/BIC codes between them. You need a SWIFT/BIC code mainly for international transfers.

Every bank is listed with its own page showing its main code and, where available, branch codes. The sections below covers how the codes work, what transfers cost and the checks worth doing.

Most SWIFT codes in Netherlands: Robeco Institutional Asset Management B.V.

Robeco Institutional Asset Management B.V. leads our list of Netherlands banks in the number of SWIFT/BIC codes. The head office of Robeco Institutional Asset Management B.V. has RGVMNL2RXXX and that code covers most payments.

A large number of 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.? Go with RGVMNL2RXXX except when the recipient gives you a branch code.

SWIFT codes in Netherlands: banks under :letter

Here you see a filtered list: just institutions in Netherlands whose name begins with :letter. The totals mentioned above always cover the whole country.

Many institutions are listed under their official name. The complete list remains available when the letter filter does not help.

Check the code before you pay

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account page in online banking. If the code you have does not match the code listed here, stop and ask: check with the recipient or the bank.

We collect SWIFT/BIC codes from public sources and update them from time to time. Banks merge, close branches and retire codes – a directory can be a step behind. For any payment that matters, check the BIC with the recipient’s bank. GoldexPay is not a bank and is not affiliated with the banks listed.

Watch out for invoices containing a new account, especially when they come by email. Before paying, confirm a change of bank details through a separate channel, using a number you already had.

The cheapest way to send money to Netherlands

A bank transfer to Netherlands can cost rather more than you think. Besides the fee, intermediary banks can deduct a charge, 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: banks convert at a rate with a margin built in. Compare the rate you are offered against the mid-market rate.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. Before you send money to Netherlands, it is worth to compare the total cost via GoldexPay rather than accepting the first rate you see.

How SWIFT codes from Netherlands are built

A BIC is either 8 or 11 characters long and follows a fixed pattern. Characters one to four stand for the bank, characters five and six form the country code and characters seven and eight mark the location.

No matter which bank, every code from Netherlands share the same fifth and sixth letters, namely the ISO code of Netherlands. Codes with a different country code come from another country.

The optional last three characters stand for a branch or department; XXX is used for the head office. Use a branch code only when the recipient explicitly gives you one.

Sending EUR to Netherlands

The currency of Netherlands is the Euro (EUR). Money sent in a different currency is exchanged into EUR.

Which bank converts the payment matters. Compare how much EUR the recipient gets with several services; the difference between options can be larger than you expect. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Getting paid from abroad into an account in Netherlands

When you are waiting for money from abroad in Netherlands, give the sender all details at once. Share your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address, which some banks require.

Look up the bank in the list on this page and compare the code with your own bank details – your bank statement is the final word. You can include your bank’s name and city as well.

The amount you receive can be less than what was sent. Fees for incoming transfers differ from bank to bank; check the price list of your bank. Make clear with the sender who pays which costs before the money is sent.

When does money sent to Netherlands arrive?

How fast a payment arrives in Netherlands is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and time zones. Public holidays in either country add a day or more to the journey.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR. Specialist transfer services usually show a status in their app.

Netherlands and the SEPA area

Within the SEPA zone, euro payments to Netherlands follow the same rules, so the IBAN does the job in most cases. The BIC field is usually optional in that case.

You will still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. Instant euro transfers have become widely available within SEPA, though not every bank offers them for every account. Fees are generally low provided no currency is converted; the conversion is where it gets expensive.