SPMHDE3E – SPARKASSE MUELHEIM AN DER RUHR
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SWIFT/BIC code structure
SPMH identifies the bank, DE is the ISO country code for Germany, 3E identifies the location, and XXX indicates a head office or default branch.
Bank and branch information
Before sending money to Germany
Currency commonly used: EUR. For an international transfer to Germany, the receiving bank may ask for the beneficiary name, account number and local routing details in addition to this SWIFT/BIC code.
- SWIFT/BIC code
- IBAN
- Beneficiary name
- Bank address when requested
Most euro-area international transfers use IBAN together with a SWIFT/BIC code.
What if the SWIFT code is wrong?
If the bank is correct but the branch code is wrong, the payment may reach the bank head office and then be redirected. If the bank or country code is wrong, the transfer can be delayed, returned or reviewed manually by the banks.
Always verify the code with the recipient or receiving bank before sending a large payment. See our wrong SWIFT code guide for more detail.
Use the SWIFT/BIC validator or search the global bank code database.