SWIFT/BIC codes in Netherlands: banks starting with Y

SWIFT/BIC codes in Netherlands

This directory contains 704 banks and financial institutions in Netherlands. A BIC tells every bank in the chain exactly which bank should receive an international payment.

Every bank is listed with its own page with the head office code and if there are any, codes for branches and departments. The sections below explain how the codes work, the cost of transfers and the checks worth doing before a payment.

Tracking a payment to Netherlands

There is no fixed delivery time for transfers to Netherlands: some arrive within a day, others take several business days. Transfers sent late in the day or on weekends and holidays often go out the next business day.

If the money seems delayed, the sender should contact the sending bank and ask for the status or the UETR. Keep the payment confirmation – you will need it if something goes wrong.

The structure of a Netherlands SWIFT/BIC code

A BIC is 8 or 11 characters long and follows a fixed pattern. The first four letters identify the bank, characters five and six are the country code and characters seven and eight give the location.

You can recognise a bank code from Netherlands by the fifth and sixth characters: they always show the ISO country code of Netherlands. Codes with a different country code come from another country, even if the bank name looks familiar.

When a code ends in XXX, it means the head office and the short version works just as well. In most cases the head office code is what you need, unless the recipient gives you a branch code.

What a transfer to Netherlands really costs

The price of a transfer to Netherlands has more than one component – not only the fee you see. You pay a transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate when currencies differ.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. Compare the bank’s rate against the mid-market rate, the midpoint you see on financial news sites.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the exchange rate. GoldexPay lists these providers side by side so you can see the amount that reaches the recipient.

Which bank in Netherlands has the most codes?

In our directory, Robeco Institutional Asset Management B.V. holds the largest number of SWIFT/BIC codes in Netherlands. Its main office has RGVMNL2RXXX; that is usually the right code for a transfer.

A large number of codes often reflects separate codes for branches, departments or services. Unless a branch code is given, the head office code RGVMNL2RXXX works for a payment to Robeco Institutional Asset Management B.V..

Receiving money in Netherlands from abroad

Someone abroad who wants to pay you needs a few details about your account, and missing ones are a common cause of delays. Share the account holder’s name, your account number or IBAN, the BIC of your bank and your address.

Find your bank in the list above and compare the code with your own bank details, but take the code from your own bank details when in doubt. Certain banks also want the name and address of your bank, so keep it at hand.

The amount you receive can be less than what was sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Make clear with the sender who pays which costs, especially for larger amounts.

Sending EUR to Netherlands

Netherlands pays in the Euro, with the currency code EUR. When you pay money in a different currency, it gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Who converts the money matters. Check how much EUR arrives with several providers before choosing one. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

About our data and how to check a code

Have the recipient copy the account details directly from their banking app. An incorrect BIC may lead to delays, a payment being sent back or extra fees – compare it with the code in our list.

Our SWIFT/BIC directory is compiled from publicly available sources that we update periodically. Still, banks merge, rename themselves or retire codes. Before any payment of any size, confirm the BIC with the recipient. GoldexPay is not a bank.

Scammers often send payment requests with new bank details from what looks like a familiar address. Before paying, verify a change of bank details by phone on a number you know.

Filter: banks in Netherlands with :letter

This list shows only the banks in Netherlands beginning with :letter, sorted alphabetically. The counts in the introduction always cover all banks in Netherlands, not just this letter.

If the bank you need does not appear under :letter, check another letter: banks are often registered under their full legal name. The complete list is one click away when the letter filter does not help.

Euro payments to Netherlands: is a BIC needed?

Because Netherlands is in SEPA, a euro transfer to a bank in Netherlands normally only needs the IBAN. Many banks no longer ask for the BIC in that case.

A SWIFT code still matter when the currency is not euros and when the money comes from outside SEPA. Instant payments in euros are widely available across SEPA, though not every bank offers them for every account. Fees are generally low as long as everything stays in euros.