Lanschot Bankiers NV F. van SWIFT/BIC code

Lanschot Bankiers NV F. van SWIFT code: FVLBNL22

FVLBNL22 and FVLBNL22XXX are two ways of writing the same SWIFT/BIC code, and both point to Lanschot Bankiers NV F. van in S-Hertogenbosch. A BIC has a single purpose: it ensures that money from abroad reaches the right bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page you can read how the code is put together, when you need it and which other details you need for a transfer to or from Lanschot Bankiers NV F. van. Remember that the BIC only identifies the bank, not the account: the IBAN or account number does that part.

A note on our data

We collect bank codes from public sources and update them regularly. It can happen that a code here is out of date, for example after a merger. Figures such as the number of codes are from our own dataset and may differ from what Lanschot Bankiers NV F. van publishes.

For any payment of any size, check the BIC with Lanschot Bankiers NV F. van or with the recipient. GoldexPay is an independent comparison service for money transfers and not part of Lanschot Bankiers NV F. van. If you notice something that is out of date, we welcome a short note.

Before you send: check the Lanschot Bankiers NV F. van code

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from FVLBNL22 or FVLBNL22XXX, do not guess: check with the recipient or with Lanschot Bankiers NV F. van directly.

An incorrect BIC can cause a delay, a returned payment or additional charges along the way. Do not forget the account number: an error there can be more difficult to correct than a wrong code.

A validity check by your bank merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks check the name against the account; take any warning seriously. For a first payment, some people start with a small test amount and wait for confirmation.

Sending money abroad from Lanschot Bankiers NV F. van

When you transfer money to another country through Lanschot Bankiers NV F. van, the visible fee is only part of the cost. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares these services side by side so you can see what actually arrives for the same amount sent. Using a transfer service does not mean closing your account at Lanschot Bankiers NV F. van.

Euro transfers to Lanschot Bankiers NV F. van: is a BIC needed?

Netherlands is part of the SEPA area, the zone for uniform euro payments. When you send euros from another SEPA country, the IBAN is usually enough.

You still need FVLBNL22XXX for non-euro payments or money from outside the SEPA area. A few banks and apps also ask for the BIC; in that case, enter FVLBNL22.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Charges on SEPA transfers are generally low as long as everything stays in euros.

Changed bank details? Be careful

A common scam works like this: an email arrives with a request claiming that a company now has a new bank account and asking you to pay there from now on. The fact that FVLBNL22 exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check changed payment details via a different channel, not by replying to the message. Pressure or requests to keep it quiet are warning signs – a real supplier can wait a day. Acted too fast? Call the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference. Do not act before the money has really arrived and check with Lanschot Bankiers NV F. van if anything seems off.

Head office or branch code at Lanschot Bankiers NV F. van?

Lanschot Bankiers NV F. van has 2 separate SWIFT/BIC codes across 2 cities. Only one is the head office code, FVLBNL22XXX; the rest identify branches or departments, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code FVLBNL22XXX is what you need. Just use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

Unsure which code applies? Ask the recipient. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

What to give a sender who pays you at Lanschot Bankiers NV F. van

A sender in another country needs several details about your account – incomplete details often cause delays. The basics are: the account holder’s name, IBAN or account number, FVLBNL22XXX and, for some countries, your home address.

The sender’s bank might request the address of your bank; the head office in S-Hertogenbosch is usually fine. Check the details before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the amount credited is below what the sender paid. Fees for incoming transfers vary per bank. For business payments, it is common to state how the fees are split to avoid a shortfall.

What the XXX in FVLBNL22XXX means

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code. In this case, the 8-character core is FVLBNL22.

The full version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so FVLBNL22XXX and FVLBNL22 are interchangeable.

In practice the code is typed in capitals and without spaces. Watch for O versus 0 and the letter I and the digit 1.

The Euro and what conversion costs you

Netherlands pays in the Euro (EUR). A payment in a foreign currency is exchanged into EUR – and the bank that does it picks the rate. Each conversion costs the amount – usually through the rate rather than a fee.

Which bank converts the payment makes a difference, because each party uses its own rate. In many cases it is cheaper to send EUR straight away via a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR change during the day – some services let you fix a rate in advance. If you pay regularly, small differences in the rate make a real difference over a year.

Transfer times and tracking a payment to Lanschot Bankiers NV F. van

There is no fixed delivery time: many arrive the same day or the next while others need several business days. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out a business day later. Extra checks on larger or unusual payments can also cause a delay.

When a payment takes longer than expected, ask the sending bank about the status or the UETR so they can trace it along the chain. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

Only the sending bank can start an official trace or a recall. On the receiving end, it helps to check your account to see a partial amount because fees can reduce the amount.