SWIFT/BIC codes in Netherlands: banks starting with Z

Finding a SWIFT code in Netherlands

Here you will find the SWIFT/BIC codes of 704 banks in Netherlands, 1714 codes in all. Every code points to an institution or one of its branches, so a payment from abroad reaches the right place.

Select a bank below to view its head office code and its other codes. Below the list we explain how a code from Netherlands is put together, how to send money to Netherlands at a fair price and how to check a code before you pay.

Which bank in Netherlands has the most codes?

Robeco Institutional Asset Management B.V. leads our list for Netherlands when it comes to the number of SWIFT/BIC codes. Its main office has RGVMNL2RXXX and that code covers most payments.

How many codes a bank has says something about how it organises its payments than about its size. If not the recipient asks for a branch, RGVMNL2RXXX is fine for transfers to this bank.

Transfer times to Netherlands

A SWIFT payment to Netherlands typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or on weekends and holidays usually go out the next business day.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR that banks can use to see where the money is. Keep the payment confirmation until the recipient confirms.

What a transfer to Netherlands really costs

A bank transfer to Netherlands often costs more than you think. On top of a fixed fee, correspondent banks can take a cut and, if currencies are converted, the bank usually applies a less favourable rate than the actual market rate.

That exchange rate margin is often the largest cost item. Compare the bank’s rate against the mid-market rate, the midpoint you see on financial news sites.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares what recipients in Netherlands receive with different providers.

SEPA transfers to Netherlands

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; many banks no longer ask for the BIC.

You will still need the BIC when sending payments in other currencies or money from outside the SEPA area. SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Fees are generally low as long as no currency is converted – conversion is what costs money.

Sending EUR to Netherlands

Most accounts in Netherlands are usually held in EUR. If you send money in a different currency, it gets converted at some point – by your bank, a bank in between or the recipient’s bank.

Who does the conversion affects how much arrives, since every bank sets its own rate. In many cases it is cheaper if you send EUR straight away via a transfer service that converts near the mid-market rate so the receiving bank does not need to convert again. On larger amounts, even a small difference in the rate adds up quickly.

The structure of a Netherlands SWIFT/BIC code

SWIFT/BIC codes use one international format: eight characters plus an optional three-character extension. First comes four letters for the bank, then two letters for the country and a two-character location code.

You can spot a code from Netherlands by the fifth and sixth characters – those always form the country code of Netherlands. A code with a different country code come from a bank abroad.

If the last three are XXX, it refers to the main office. Use a branch code just when the recipient’s bank asks for it; otherwise the head office code is the safe choice.

What a sender needs to pay you in Netherlands

To receive a transfer from abroad into a Netherlands account, the sender has to have more than the SWIFT code. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code 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, since some payment forms ask for it.

Expect that the amount credited is below the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Filter: banks in Netherlands with :letter

This filter narrows the list down to banks from Netherlands that begin with :letter, so you can find a bank faster. The counts in the introduction still refer to the whole country and not only this selection.

Many institutions are listed under their legal name rather than the name on their app or website. Use the full list for Netherlands when you are not sure the exact name.

Verifying a SWIFT code from Netherlands

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given does not match our list, stop and ask: check with the recipient or the bank.

This list is based on publicly available sources and is updated regularly. Still, banks merge or change codes. Before any payment that matters, check the BIC with the recipient. GoldexPay is an independent comparison site and has no link to the banks in this list.

Fraudsters regularly send fake invoices carrying new bank details. Always confirm a change of bank details through a separate channel, using a number you already had.