Nederlandsche Bank (de) N.V. SWIFT/BIC code

Nederlandsche Bank (de) N.V. SWIFT code: ECMSNL2A

The 8-character code ECMSNL2A and the 11-character code ECMSNL2AXXX refer to one and the same institution: Nederlandsche Bank (de) N.V.. Every bank on the SWIFT network uses these codes to route international transfers to the right bank. You will need it mostly for transfers between countries.

Further down you will find the practical questions: receiving money at Nederlandsche Bank (de) N.V., paying someone in another country and how to verify a SWIFT code before you confirm a payment. Keep in mind that the SWIFT code just identifies the bank, not the account: the account number or IBAN does that part.

How long does an international transfer to Nederlandsche Bank (de) N.V. take?

How fast a transfer arrives at Nederlandsche Bank (de) N.V. is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made after the cut-off time or just before weekends and holidays often start a business day later. Occasionally a bank asks about the purpose of a payment.

If a transfer is delayed, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt.

A missing payment has to be traced from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message saying that a supplier now has a new bank account and asking you to pay there from now on. A real SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Always confirm changed bank details by phone, using a number you already had. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. When money has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Fraud can also work the other way. Someone sends more than agreed and wants you to refund the difference to a new account. Do not act before the money has really arrived.

Euro transfers to Nederlandsche Bank (de) N.V.: is a BIC needed?

Since Netherlands is in the SEPA zone, a euro payment into Nederlandsche Bank (de) N.V. from another SEPA country normally requires just the IBAN. Most banking apps do not require the BIC for these payments or fill it in for you.

The BIC does come into play when the currency is not euros, and for transfers from outside SEPA. Some banks and apps also show a field for the BIC; in that case, enter ECMSNL2A.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. As long as the payment stays in euros, the transfer tends to be cheap; it is the conversion that costs money.

About this information

We collect SWIFT/BIC codes using publicly available data and update our list from time to time. It is possible that information here is no longer current after a merger or reorganisation. The figures on this page are based on our own data and not on information from Nederlandsche Bank (de) N.V. itself.

Treat our directory here as a handy check, and let the details from the recipient or Nederlandsche Bank (de) N.V. have the final say. GoldexPay is an independent comparison service and not part of Nederlandsche Bank (de) N.V.. If you notice a mistake, we welcome a message.

Sending money abroad from Nederlandsche Bank (de) N.V.

The price of an international transfer has more than one component. Besides the transfer fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank usually applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. An easy check: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently use a rate near the mid-market rate. On GoldexPay you can compare what recipients receive with different providers, so you can pick the cheapest route. Using a transfer service does not mean closing your account at Nederlandsche Bank (de) N.V..

The Euro and what conversion costs you

Accounts at Nederlandsche Bank (de) N.V. are usually held in EUR, the national currency. When you pay another currency, the amount has to be converted at some point. You rarely see a separate line for that conversion – the cost sits in the rate.

Who converts the payment makes a difference. Transferring the money directly in EUR usually avoids a second conversion at the receiving end.

The EUR rate changes constantly. For recurring payments, small differences in the rate add up over a year.

Receiving money from abroad at Nederlandsche Bank (de) N.V.

If you expect money from abroad, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the BIC ECMSNL2AXXX and sometimes your postal address.

Certain sending banks also ask for the address of Nederlandsche Bank (de) N.V. in Amsterdam. Check the details before you share them.

What lands in your account can be lower than the amount sent. Fees for incoming transfers differ from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Before you send: check the Nederlandsche Bank (de) N.V. code

The most reliable source for the BIC is the recipient’s own bank details. Check that code with ECMSNL2A on this page.

With a wrong code, the transfer might get stuck, bounce back or end up costing more, and tracing it can take weeks. An error in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank merely confirms that the IBAN exists – 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. A small test payment is a sensible step for a large first payment.

Head office or branch code at Nederlandsche Bank (de) N.V.?

Nederlandsche Bank (de) N.V. uses 17 separate SWIFT/BIC codes across 1 locations. Only one is the head office code, ECMSNL2AXXX; the rest identify branches, and sometimes specific services.

If nobody asks you for a branch code, use ECMSNL2AXXX. Branch codes are only needed when the recipient’s bank specifically mentions it, which is more common for corporate accounts and specialised services.

Not sure which code to use? Check with the recipient. Branch codes can change over time, so a code from an old document is not always valid.

8 or 11 characters: ECMSNL2A versus ECMSNL2AXXX

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. The result is ECMSNL2A, the short form of the code.

Many payment forms work with both lengths. If yours requires eleven characters, enter ECMSNL2AXXX, otherwise ECMSNL2A is fine.

As a rule the code is written in capitals, without spaces or dashes. A single letter may route the money to a different institution.