SWIFT codes in Netherlands
NL · EUR
644 banks in Netherlands, from ABN AMRO BANK N.V. (ABNANL2A) onward; every code carries NL as its country part.
Banks
644
SWIFT codes
2
Branches
7
Currency
EUR
Banks and SWIFT codes in Netherlands
AABN AMRO BANK N.V.
| SWIFT/BIC | City |
|---|---|
ABNANL2AXXX | AMSTERDAM |
ABNANL2AWSS | AMSTERDAM |
ABNANL2ARET | AMSTERDAM |
ABNANL2ASFI | AMSTERDAM |
ABNANL2ASOB | AMSTERDAM |
AASN BANK N.V.
| SWIFT/BIC | City |
|---|---|
SNSBNL2ASFM | UTRECHT |
SNSBNL2AXXX | UTRECHT |
Netherlands SWIFT code questions
What does a Netherlands SWIFT code look like?
ABNANL2AXXX (ABN AMRO BANK N.V.): bank ABNA, country NL, location 2A, branch XXX.
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.
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 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.
Will my bank show the Dutch account holder's name before I send?
For a digital euro transfer from a SEPA country, it should. The <a href="https://www.betaalvereniging.nl/en/knowledge-base/iban-and-bic/iban-name-check/" target="_blank" rel="noopener noreferrer">Dutch Payments Association</a> says banks in all 41 SEPA countries have had to compare name and IBAN since October 2025. A match shows a green tick, a near match a warning with the name the Dutch bank holds, and a clear mismatch a warning without it. If you confirm anyway, your bank may not then block the transfer.
How can I check that a Dutch bank named on an invoice is real?
Search the <a href="https://www.dnb.nl/en/public-register/register-of-banks/" target="_blank" rel="noopener noreferrer">register of banks</a> kept by De Nederlandsche Bank (DNB), the Dutch central bank. It lists every bank licensed in the Netherlands and foreign banks operating there under a European passport, refreshed each business day at 06:00. A separate <a href="https://www.dnb.nl/en/public-register/dutch-deposit-guarantee-scheme-register/" target="_blank" rel="noopener noreferrer">deposit guarantee register</a> shows which Dutch banks the Dutch scheme protects.
Can a euro payment from elsewhere in Europe reach a Dutch account in seconds?
Yes, as a SEPA instant payment. The Instant Payments Regulation, as the <a href="https://www.ecb.europa.eu/paym/integration/retail/instant_payments/html/instant_payments_regulation.en.html" target="_blank" rel="noopener noreferrer">ECB's implementation table</a> sets out, required euro-area banks, Dutch ones included, to accept instant payments from 9 January 2025 and to offer sending from 9 October 2025. Dutch banks started earlier: the <a href="https://www.betaalvereniging.nl/en/knowledge-base/account-to-account-payments/instant-payments/" target="_blank" rel="noopener noreferrer">Dutch Payments Association</a> says the largest introduced them jointly in 2019, and they are now standard for almost all individual transfers inside the Netherlands.
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.
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Netherlands IBANs run 18 characters, e.g. NL91 ABNA 0417 1643 00.
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