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Name: SWIFT/BIC Codes for Banks in Germany
Creator: SendMoneyCompare
License: https://creativecommons.org/licenses/by-nc-sa/4.0/

Akif Hazarvi

SWIFT codes in Germany

DE · EUR

Find the correct SWIFT/BIC code for banks in Germany. Use these codes when sending or receiving international wire transfers. A SWIFT code ensures your payment is routed to the correct bank and branch.

Banks

2832

SWIFT codes

8

Branches

19

Currency

EUR

Banks and SWIFT codes in Germany

B
BERLINER SPARKASSE - BSK 1818 AG

SWIFT/BIC	City	Branch	Address
`BELADEB1DOT`	BERLIN	DOT	ALEXANDERPLATZ 2
`BELADEBECFS`	BERLIN	CFS	ALEXANDERPLATZ 2
`BELADEBEXXX`	BERLIN	Head Office	ALEXANDERPLATZ 2

D
DEUTSCHE KREDIT BANK A.G. BERLIN

SWIFT/BIC	City	Branch	Address
`BYLADEM1001`	BERLIN	001	TAUBENSTR 7-9

C
COMMERZBANK AG (FORMERLY COMDIRECT BANK AG)

SWIFT/BIC	City	Branch	Address
`COBADEHD001`	QUICKBORN	001	—
`COBADEHD044`	QUICKBORN	044	—
`COBADEHD055`	QUICKBORN	055	—
`COBADEHD088`	QUICKBORN	088	PASCALKEHRE 15
`COBADEHD099`	QUICKBORN	099	PASCALKEHRE 15

C
COMMERZBANK AG

SWIFT/BIC	City	Branch	Address
`COBADEFIXXX`	FRANKFURT AM MAIN	Head Office	KAISERSTRASSE 16
`COBADEBB120`	BERLIN	120	POTSDAMER STRASSE 125
`COBADEFIINV`	FRANKFURT AM MAIN	INV	NEUE MAINZER STRASSE 32-36
`COBADEHHXXX`	HAMBURG	Head Office	NESS 7-9
`COBADEBBXXX`	BERLIN	Head Office	—

D
DEUTSCHE BANK AG

SWIFT/BIC	City	Branch	Address
`DEUTDEFFVIT`	FRANKFURT AM MAIN	VIT	—
`DEUTDEFFVAC`	FRANKFURT AM MAIN	VAC	—
`DEUTDEFFTAX`	FRANKFURT AM MAIN	TAX	—
`DEUTDEFFUAE`	FRANKFURT AM MAIN	UAE	—
`DEUTDEFFSAN`	FRANKFURT AM MAIN	SAN	—

Frequently asked questions

What is a SWIFT code for Germany?

A SWIFT code (also called a BIC) is an 8 or 11-character identifier used by German banks for international wire transfers. The country code portion is DE. For example, DEUTDEFF is the SWIFT code for Deutsche Bank Frankfurt. The structure is: 4 characters for the bank, 2 for country (DE), 2 for the city, and optionally 3 for the branch.

What are the SWIFT codes for major German banks?

Key German bank SWIFT codes include: Deutsche Bank — DEUTDEFF, Commerzbank — COBADEFF, DZ Bank — GENODEFF, HypoVereinsbank (UniCredit) — HYVEDEMMXXX, N26 — NTSBDEB1, and ING Germany — INGBDEFF. Sparkassen and Volksbanken each have their own SWIFT codes — do not assume a generic code works for all institutions.

Do I need a SWIFT code or just an IBAN for transfers to Germany?

For EUR transfers from within the SEPA zone, the German IBAN (starting with DE, 22 characters) is usually sufficient — no SWIFT code is needed. For transfers from outside SEPA or in a non-EUR currency, you will need the bank's SWIFT/BIC code alongside the IBAN. SEPA transfers are typically faster and cheaper than SWIFT.

How do I find the SWIFT code for my German bank?

You can find your German bank's SWIFT code on your bank statement, in your online banking portal, by contacting your bank, or by searching on this page. Note that Sparkassen (savings banks) and Volksbanken (cooperative banks) each have their own distinct SWIFT codes — you cannot use a generic Deutsche Bank or Commerzbank code for these institutions.

How long does a SWIFT transfer to Germany take?

SEPA EUR transfers from within Europe typically arrive within one business day (often same-day with SEPA Instant). SWIFT transfers from outside SEPA usually take one to three business days. Transfers in non-EUR currencies may take slightly longer due to correspondent bank routing and currency conversion at the receiving bank.

Are there fees for receiving a SWIFT transfer in Germany?

SEPA transfers in EUR are typically free or very low cost at German banks. Non-SEPA SWIFT transfers may incur an inbound wire fee, typically EUR 5–15. If the transfer arrives in a non-EUR currency (such as USD or GBP), the bank will convert at their own exchange rate, which includes a margin. Check your bank's Preisverzeichnis (fee schedule) for details.

What is the difference between a Sparkasse SWIFT code and a commercial bank SWIFT code?

German Sparkassen (savings banks) and Volksbanken (cooperative banks) are independent institutions with their own SWIFT codes, separate from commercial banks like Deutsche Bank and Commerzbank. There are hundreds of Sparkassen across Germany, each with a unique BIC. You must use the specific SWIFT code for the recipient's Sparkasse — a Deutsche Bank SWIFT code will not work for a Sparkasse account.

Can I receive non-EUR currencies directly in a German bank account?

Some German banks (particularly Deutsche Bank, Commerzbank, and international banks like HSBC Germany) offer multi-currency accounts that can hold USD, GBP, and other currencies. Standard EUR accounts will have non-EUR transfers automatically converted at the bank's exchange rate. For regular foreign currency receipts, a multi-currency account avoids this automatic conversion.

How SWIFT works in Germany

Germany is part of the SEPA zone, so euro-denominated transfers from other SEPA countries typically use IBAN alone and travel via SEPA Credit Transfer rather than SWIFT. SWIFT becomes relevant when the payment originates outside SEPA or involves a non-EUR currency. Deutsche Bank, Commerzbank, and the Sparkassen network are among the most commonly used SWIFT participants for inbound international transfers.

For EUR payments from within SEPA (EU, EEA, Switzerland, UK for some schemes), you usually only need the German IBAN. The BIC/SWIFT code is optional for SEPA transfers and most banks will route the payment correctly with just the IBAN.
Non-EUR inbound transfers (such as USD or GBP) to a German bank account will travel via SWIFT and may involve correspondent bank charges that reduce the received amount. If the recipient holds a multi-currency account, sending in the original currency avoids an automatic conversion at the receiving bank's rate.
German Sparkassen (savings banks) and Volksbanken (cooperative banks) each have their own SWIFT codes distinct from the large commercial banks. Do not assume a generic Deutsche Bank SWIFT code will work for a Sparkasse account — each institution requires its own BIC.