Mizuho Bank Europe N.V. SWIFT/BIC code

MHCBNL2A – the SWIFT/BIC code of Mizuho Bank Europe N.V.

MHCBNL2A and MHCBNL2AXXX are two ways of writing the same SWIFT/BIC code, and both point to Mizuho Bank Europe N.V. in Amsterdam. The code has a single purpose: it makes sure that an international payment ends up at the right bank. In practice you mostly see the code on international invoices, in payment forms and on the account details of Mizuho Bank Europe N.V. customers.

On this page you will find how the code is put together, when you need it and which other details a transfer to or from Mizuho Bank Europe N.V. requires. The BIC identifies a bank or branch, never a single account, which is why you always need the account number too.

Is MHCBNL2A still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check it with MHCBNL2A here.

Mistakes in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

A validity check in your banking app merely tells you that the IBAN exists, not that it is the right account. Where available, a name check on the recipient gives extra certainty. A small test payment is worth it for a large first payment.

MHCBNL2A or MHCBNL2AXXX – which one to use?

A BIC is made up of fixed blocks: characters one to four stand for the bank, the next two give the country and characters seven and eight indicate the location. In this case, the 8-character core is MHCBNL2A.

The long version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, so MHCBNL2AXXX and MHCBNL2A are interchangeable.

Do not add spaces or dashes when you enter MHCBNL2A; the code is always written in one block. A single letter can send a payment to another bank, so check it twice.

Incoming international payments to Mizuho Bank Europe N.V.

If you are waiting for money from abroad, send the payer everything they need in one go. The basics are: your name, account number or IBAN, MHCBNL2AXXX or MHCBNL2A and often your home address.

You can include the bank name and Amsterdam as well. A typo in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary per bank – the price list of Mizuho Bank Europe N.V. tells you what applies. On invoices, it is common to state how the fees are split, so that nobody is left short.

Paying Mizuho Bank Europe N.V. in euros within SEPA

Since Netherlands is part of SEPA, a euro payment into Mizuho Bank Europe N.V. from another SEPA country normally only needs the IBAN. Many banks do not require the BIC in that case or fill it in for you.

Outside the euro and from non-SEPA countries, MHCBNL2AXXX or MHCBNL2A is still part of the payment details. If a payment form has a field for the BIC anyway, adding MHCBNL2A does no harm.

Instant euro transfers have become increasingly available within SEPA – whether Mizuho Bank Europe N.V. offers them for your account is worth checking. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

Sending money abroad from Mizuho Bank Europe N.V.

An international bank payment costs more than the fee suggests. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialist money transfer services often offer rates closer to the mid-market rate. GoldexPay compares the amount that arrives across services, so you can pick the cheapest route. Using a transfer service does not mean closing your account at Mizuho Bank Europe N.V. – you pay the provider from your own account.

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a request claiming that a contact has a new bank account. The fact that MHCBNL2A exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Check changed bank details via a different channel, such as a phone number you already know, never via the email that asked for the change. Pressure and requests to keep it quiet tend to be red flags. Acted too fast? Contact your bank without delay and ask them to start a recall.

Scams can also work the other way. Someone claims to have sent too much and wants you to return the difference via a different route. Wait until the money has really arrived – ask Mizuho Bank Europe N.V. if something looks wrong.

Which of the 2 codes of Mizuho Bank Europe N.V. do you need?

Our database contains 2 SWIFT/BIC codes for Mizuho Bank Europe N.V., spread over 1 locations. Next to the head office code MHCBNL2AXXX, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use MHCBNL2AXXX. When you receive a branch code, stick to it instead of replacing it for the head office code.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to change than MHCBNL2AXXX.

Transfer times and tracking a payment to Mizuho Bank Europe N.V.

A SWIFT payment usually takes one to a few business days. Payments made after the cut-off time or on a weekend or public holiday usually start a business day later. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR. Money transfer services usually provide tracking online showing where the money is.

A delayed transfer has to be investigated by the sending bank. On the receiving end, it helps to check your statements to see a partial amount.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources. It can happen that a code here is out of date, for example after a merger. The number of codes on this page are based on our own data, not official figures from Mizuho Bank Europe N.V..

Treat the information on this page as a handy check, and let the details from the recipient or Mizuho Bank Europe N.V. have the final say. We are an independent comparison site for money transfers and not affiliated with Mizuho Bank Europe N.V.. Should you notice a mistake, we welcome a short note.

Sending EUR to Mizuho Bank Europe N.V.

The currency of Netherlands is the Euro (EUR). A payment in a foreign currency will be exchanged into EUR before it reaches the account – and the bank that does it picks the rate. You rarely see a separate charge for that conversion.

Which bank converts the money makes a difference: every bank has its own margin. Transferring the amount directly in EUR often avoids an extra conversion.

The EUR rate fluctuates constantly and quotes are often valid only for a short time. For recurring payments, a slightly better rate make a real difference over a year.