Brd - Groupe Societe Generale SA SWIFT/BIC code

What BRDEROBU means for a payment to Brd - Groupe Societe Generale SA

Whether you are given BRDEROBU or BRDEROBUXXX, you are looking at the identical address for Brd - Groupe Societe Generale SA in Romania. Every bank on the SWIFT network uses these codes to direct international transfers to the right bank. It comes up mainly when dealing with transfers between countries and payments in foreign currencies.

On this page we explain how the code means, when you need it and what else you need for a transfer to or from Brd - Groupe Societe Generale SA. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

Verifying the SWIFT code of Brd - Groupe Societe Generale SA

The safest source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check that code with BRDEROBU here; if they differ, ask before you pay.

A wrong SWIFT code can cause delays, a returned payment or additional charges for investigation. Do not forget the account number: a mistake there is harder to correct than a wrong BIC.

A validity check by your bank merely tells you that the code is valid, not that it is the right account. More and more banks check the payee name with the account before you confirm; take any warning seriously. A small test payment can be worth it for large sums, even if it costs an extra fee.

Head office or branch code at Brd - Groupe Societe Generale SA?

Brd - Groupe Societe Generale SA has 3 different SWIFT/BIC codes. One of them is the head office code, BRDEROBUXXX; the others belong to branches or departments.

For the vast majority of incoming transfers, the head office code BRDEROBUXXX is what you need. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Unsure which code to use? Ask the recipient. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Watch out for payment fraud

Stay alert when someone suddenly asks you to send money to a different account abroad. A real SWIFT code says nothing about who owns the account – scammers simply use real codes.

Never trust contact details from the same email that contains the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Call the bank you paid from without delay and ask them to start a recall; also report it to the police.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to send back the difference. Do not act before the money has really arrived and check with Brd - Groupe Societe Generale SA if anything seems off.

Sending RON to Brd - Groupe Societe Generale SA

Accounts at Brd - Groupe Societe Generale SA are typically held in RON, the national currency. If you send another currency, the amount gets converted somewhere along the way: by your bank, an intermediary or Brd - Groupe Societe Generale SA itself. There is rarely a separate line for the conversion; it is built into the rate.

Who converts the payment makes a difference. In many cases it is cheaper to send RON straight away through a transfer service with a good rate rather than letting the receiving bank convert.

The RON rate changes throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, a small gap in the rate can be worth more than the fee.

Getting paid from abroad into a Brd - Groupe Societe Generale SA account

If you are waiting for money from abroad, give the sender a complete set of details. Give them your name as the bank knows it, the IBAN or account number, the BIC BRDEROBUXXX and your address, which some banks require.

Their bank may request the address of your bank. Double-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. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who pays which costs.

Paying Brd - Groupe Societe Generale SA in euros within SEPA

Romania belongs to the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, you normally only need the IBAN.

A SWIFT code like BRDEROBU does come into play for payments in other currencies and when the money comes from outside SEPA. If a payment form has a field for the BIC anyway, entering BRDEROBU does no harm.

Euro payments within SEPA usually arrive by the next business day. As long as the payment stays in euros, a SEPA transfer tends to be cheap; it is the conversion that costs money.

Paying someone abroad from your Brd - Groupe Societe Generale SA account

What you pay for an international transfer is made up of several parts, and the transfer fee is only the most visible one. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. Check their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Money transfer services often use a rate near the mid-market rate with clearer fees. Before your next transfer, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Brd - Groupe Societe Generale SA – you pay the provider from your own account.

Where our SWIFT data comes from

This directory draws on publicly available sources. It is possible that information here is out of date, for example after a merger. The number of codes we show reflect what is in our directory and not on information from Brd - Groupe Societe Generale SA itself.

For a payment that matters, check the BIC with Brd - Groupe Societe Generale SA or the recipient. GoldexPay is an independent comparison service and not affiliated with Brd - Groupe Societe Generale SA. If you notice something that is out of date, we welcome a message.

Tracking a transfer to or from Brd - Groupe Societe Generale SA

There is no single delivery time for international payments: many arrive within a day while others need several business days. Bank holidays in either country can add extra days to the journey. Sometimes a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask your bank for the status. Specialist transfer services often show tracking online showing how far the payment is.

A delayed transfer has to be traced from the sending side, using the payment confirmation. As a recipient, you can check your statements to see a slightly lower amount.

Why Brd - Groupe Societe Generale SA has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, characters five and six show the country and characters seven and eight mark the location. The result is BRDEROBU, the short form of the code.

The full version has a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, so BRDEROBUXXX and BRDEROBU are interchangeable.

Do not add spaces, dots when you enter BRDEROBU or BRDEROBUXXX. Copying the code beats retyping it.