SendMoneyCompare — International Money Transfer Comparison

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

Akif Hazarvi

SWIFT codes in Netherlands

NL · EUR

Find the correct SWIFT/BIC code for banks in Netherlands. 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

644

SWIFT codes

2

Branches

7

Currency

EUR

Banks and SWIFT codes in Netherlands

A
ABN AMRO BANK N.V.

SWIFT/BIC	City	Branch	Address
`ABNANL2AXXX`	AMSTERDAM	Head Office	GUSTAV MAHLERLAAN 10
`ABNANL2AWSS`	AMSTERDAM	WSS	FOPPINGADREEF 26
`ABNANL2ARET`	AMSTERDAM	RET	GUSTAV MAHLERLAAN 10
`ABNANL2ASFI`	AMSTERDAM	SFI	GUSTAV MAHLERLAAN 10
`ABNANL2ASOB`	AMSTERDAM	SOB	GUSTAV MAHLERLAAN 10

A
ASN BANK N.V.

SWIFT/BIC	City	Branch	Address
`SNSBNL2ASFM`	UTRECHT	SFM	CROESELAAN 1
`SNSBNL2AXXX`	UTRECHT	Head Office	CROESELAAN 1

Frequently asked questions

What is a SWIFT code for the Netherlands?

A SWIFT code (also called a BIC) is an 8 or 11-character identifier used by Dutch banks for international wire transfers. The country code portion is NL. For example, ABNANL2A is the SWIFT code for ABN AMRO. The structure is: 4 characters for the bank, 2 for country (NL), 2 for the city, and optionally 3 for the branch.

What are the SWIFT codes for major Dutch banks?

Key Dutch bank SWIFT codes include: ABN AMRO — ABNANL2A, ING — INGBNL2A, Rabobank — RABONL2U, SNS Bank — SNSBNL2A, Triodos Bank — TRIONL2U, and de Volksbank — SNSBNL2A. Always confirm the exact code with the recipient's bank before sending.

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

If you are sending EUR from within the SEPA zone (EU, EEA, and certain other countries), the Dutch IBAN (starting with NL) is usually sufficient and the payment travels via SEPA Credit Transfer — no SWIFT code is needed. If you are sending from outside SEPA or in a non-EUR currency, you will need the bank's SWIFT/BIC code alongside the IBAN.

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

You can find your Dutch bank's SWIFT code on your bank statement, in your online banking app, by contacting your bank, or by searching on this page. Dutch IBANs contain the bank identifier within the first eight characters, but this is not the same as the full BIC/SWIFT code. Always verify directly with your bank.

How long does a SWIFT transfer to the Netherlands take?

SEPA EUR transfers from within Europe typically arrive within one business day. SWIFT transfers from outside SEPA (such as from the US, Canada, or Australia) usually take one to three business days. Non-EUR transfers 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 the Netherlands?

SEPA transfers in EUR are typically free or very low cost. Non-SEPA SWIFT transfers may incur an inbound wire fee at Dutch banks, typically EUR 5–15. If the transfer arrives in a non-EUR currency, the bank will convert it at their own exchange rate, which includes a margin. Some Dutch banks waive inbound fees for premium or business accounts.

What is SEPA and how does it relate to SWIFT in the Netherlands?

SEPA (Single Euro Payments Area) is a European payment system that allows EUR transfers between participating countries using just the IBAN. SEPA transfers do not use SWIFT — they travel over a separate European clearing network and are typically faster and cheaper. SWIFT is needed only when the payment originates outside SEPA or is in a non-EUR currency.

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

Some Dutch banks (especially ABN AMRO, ING, and Rabobank) offer multi-currency accounts that can hold USD, GBP, and other currencies. If you hold a standard EUR account, any incoming non-EUR transfer will be automatically converted to euros at the bank's exchange rate. For regular foreign currency receipts, a multi-currency account avoids this automatic conversion.

How SWIFT works in the Netherlands

The Netherlands sits inside the SEPA zone, so many euro transfers never need SWIFT at all. Dutch bank customers usually need IBAN for intra-Europe payments and only need a SWIFT/BIC when the payment is coming from outside SEPA or in a non-euro currency.

If the sender is paying from another SEPA country in EUR, the Dutch IBAN is usually enough and the transfer can travel over SEPA rather than SWIFT.
SWIFT becomes more relevant for USD, GBP, or other non-EUR inbound payments, where correspondent banks and lifting fees can reduce the final amount received.
International businesses using Dutch accounts should confirm whether the beneficiary bank wants settlement in EUR or foreign currency, because automatic conversion at the receiving bank can be expensive.