Do you need to make a payment abroad or are you expecting money from another part of the world? Then you are often asked for your bank's BIC or SWIFT code. ING's code is INGBNL2A, Rabobank's is RABONL2U and ABN AMRO's is ABNANL2A.
Below you will find the codes of all the well-known Dutch banks, the full overview of payment service providers with a Dutch IBAN, and an explanation of when you do not actually need that code at all.
SWIFT code or BIC code: what is the difference?
There is no difference: a SWIFT code and a BIC code are the same thing. BIC stands for Business Identifier Code and is the official name. SWIFT code is the older term, derived from the messaging network international payments run over, and that name has stuck in everyday use. So if a foreign party asks for your SWIFT code, you simply pass on your BIC.
The code identifies the institution where an account is held, so that an international payment arrives at the right party. If you want to know exactly how such a code is built up and where it comes from, that is explained in the article on what a BIC or SWIFT code is.
BIC and SWIFT codes of the best-known Dutch banks
These are the providers most often searched for in the Netherlands. The code in the table applies to ordinary payments; for special transactions outside SEPA some parties use an additional code.
Bank or provider | BIC / SWIFT-code | Bank code in IBAN |
ING | INGBNL2A | INGB |
Rabobank | RABONL2U | RABO |
ABN AMRO | ABNANL2A | ABNA |
Knab | KNABNL2H | KNAB |
SNS | SNSBNL2A | SNSB |
ASN Bank | ASNBNL21 | ASNB |
RegioBank | RBRBNL21 | RBRB |
bunq | BUNQNL2A | BUNQ |
Revolut Bank UAB | REVONL22 | REVO |
Triodos Bank | TRIONL2U | TRIO |
Van Lanschot | FVLBNL22 | FVLB |
Nationale-Nederlanden | NNBANL2G | NNBA |
Finom Payments | FNOMNL22 | FNOM |
SWIFT and BIC code of ING: INGBNL2A
The SWIFT and BIC code of ING is INGBNL2A. You use that code for every Dutch ING account, regardless of which branch your account was once opened at. You can spot it in your account number: after the check digits, every ING IBAN starts with INGB. Note that ING has its own codes in other countries, so for a payment from abroad always state that it concerns ING in the Netherlands.
SWIFT and BIC code of Rabobank: RABONL2U
The SWIFT and BIC code of Rabobank is RABONL2U. Here too one code applies to all local Rabobanks, because since the merger the independent branches share the same identification in payments. In your IBAN you will see the bank code RABO.
SWIFT and BIC code of ABN AMRO: ABNANL2A
The SWIFT and BIC code of ABN AMRO is ABNANL2A, with ABNA as the bank code in your IBAN. ABN AMRO also has separate codes for divisions such as ABN AMRO Clearing Bank, but you do not use those for an ordinary business or personal account.
SWIFT and BIC code of Knab: KNABNL2H
The SWIFT and BIC code of Knab is KNABNL2H. The letter H in the eighth position stands out, because most Dutch codes end in A, 1 or 2. That is not a mistake: that character belongs to the network code and says nothing about the validity of the code.
SWIFT and BIC codes of SNS, ASN and RegioBank
These three brands belong to the same group, but each has its own code. SNS uses SNSBNL2A, ASN Bank uses ASNBNL21 and RegioBank uses RBRBNL21. They are regularly mixed up online, so check which of the three is on your statement before you pass on the code.
SWIFT and BIC codes of bunq, Revolut and Triodos
With the newer providers you have to pay attention to where your account is held. bunq uses BUNQNL2A and Triodos Bank uses TRIONL2U, both with a Dutch IBAN. Revolut Bank UAB issues accounts in the Netherlands with the code REVONL22, but also has accounts with a Lithuanian IBAN and a different code. So always look at your own account details and do not go by the brand name alone.
Full overview of BIC codes of Dutch payment service providers
Below is the broader overview of parties that issue Dutch IBANs, including clearing banks, foreign branches and payment service providers. The source is the BIC overview from Betaalvereniging Nederland, as at August 2026.
That overview is deliberately not exhaustive: listing is not mandatory for payment service providers, and mergers, takeovers and new entrants can change the list at any time.
BIC / SWIFT-code | Bank code | Institution |
ABNANL2A | ABNA | ABN AMRO Bank |
ABNCNL2A | ABNC | ABN AMRO Clearing Bank |
ADYBNL2A | ADYB | Adyen |
AEGONL2U | AEGO | Aegon Bank |
AINHNL22 | AINH | Airwallex Netherlands |
ANDLNL2A | ANDL | Anadolubank |
ARBNNL22 | ARBN | Achmea Bank |
ARSNNL21 | ARSN | Argenta Spaarbank |
ASNBNL21 | ASNB | ASN Bank |
BARCNL22 | BARC | Barclays Bank |
BCITNL2A | BCIT | Intesa Sanpaolo |
BITSNL2A | BITS | Bitsafe Payments |
BKCHNL2R | BKCH | Bank of China |
BKMGNL2A | BKMG | Bank Mendes Gans |
BLGWNL21 | BLGW | BLG Wonen |
BNDANL2A | BNDA | Brand New Day Bank |
BNGHNL2G | BNGH | Bank Nederlandse Gemeenten |
BNPANL2A | BNPA | BNP Paribas |
BOFANLNX | BOFA | Bank of America |
BOTKNL2X | BOTK | MUFG Bank |
BUKKNL22 | BUKK | Buckaroo |
BUNQNL2A | BUNQ | bunq |
CCBVNL2A | CCBV | Currencycloud |
CHASNL2X | CHAS | JPMorgan Chase |
CITCNL2A | CITC | Citco Bank |
CITINL2X | CITI | Citibank International |
CLRBNL2A | CLRB | ClearBank Europe |
COBANL2X | COBA | Commerzbank |
DELENL22 | DELE | Oyens & Van Eeghen |
DHBNNL2R | DHBN | Demir-Halk Bank |
DNIBNL2G | DNIB | NIBC |
EBPBNL22 | EBPB | Ebury Netherlands |
FBHLNL2A | FBHL | Credit Europe Bank |
FLORNL2A | FLOR | De Nederlandsche Bank |
FNOMNL22 | FNOM | Finom Payments |
FRNXNL2A | FRNX | Franx |
FVLBNL22 | FVLB | Van Lanschot |
FXBBNL22 | FXBB | iBanFirst |
GILLNL2A | GILL | InsingerGilissen |
HANDNL2A | HAND | Svenska Handelsbanken |
HIFXNL2A | HIFX | XE Europe |
HSBCNL2A | HSBC | HSBC Bank |
ICBKNL2A | ICBK | Industrial & Commercial Bank of China |
ICEPNL21 | ICEP | ICEPAY |
INGBNL2A | INGB | ING |
ISBKNL2A | ISBK | Isbank |
KABANL2A | KABA | Yapi Kredi Bank |
KNABNL2H | KNAB | Knab |
KOEXNL2A | KOEX | KEB Hana Bank |
KREDNL2X | KRED | KBC Bank |
LOYDNL2A | LOYD | Lloyds Bank |
LPLNNL2F | LPLN | LeasePlan Corporation |
MHCBNL2A | MHCB | Mizuho Bank Europe |
MLLENL2A | MLLE | Mollie |
MODRNL22 | MODR | Modulr Finance |
NNBANL2G | NNBA | Nationale-Nederlanden Bank |
NWABNL2G | NWAB | Nederlandse Waterschapsbank |
PANXNL22 | PANX | Unifiedpost Payments |
PCBCNL2A | PCBC | China Construction Bank |
RABONL2U | RABO | Rabobank |
RBRBNL21 | RBRB | RegioBank |
REVONL22 | REVO | Revolut Bank UAB |
SBOSNL2A | SBOS | State Street Bank International |
SNSBNL2A | SNSB | SNS |
SOGENL2A | SOGE | Société Générale |
TRBKNL2A | TRBK | Trade Republic Bank |
TRIONL2U | TRIO | Triodos Bank |
UGBINL2A | UGBI | GarantiBank International |
VOWANL21 | VOWA | Volkswagen Bank |
VTPSNL2R | VTPS | Vitesse PSP |
VVIDNL22 | VVID | Vivid Money |
WOFTNL22 | WOFT | World First Netherlands |
YOURNL2A | YOUR | Yoursafe |
ZWLBNL21 | ZWLB | Volksbank, formerly Zwitserlevenbank |
Is your provider not listed? That does not have to mean anything. Some parties choose not to have their code included, and providers that work with a foreign IBAN have a code that does not end in NL. In that case you will find the right code on your own provider's website.
When do you need a SWIFT or BIC code?
More often not than yes, and that surprises most people. Within the SEPA zone and in euros your IBAN is enough, because the bank code is already built into that number and the paying party derives the right code from it automatically. So for a transfer within the Netherlands you never have to fill in a code.
You do need the code as soon as you transfer money to an account outside the SEPA zone. Then you always have to provide the receiving institution's code alongside the IBAN. The same applies in the other direction: if someone outside SEPA wants to transfer money to you, you pass on both your IBAN and your own code.
Within SEPA you may also be asked for a code if you transfer in a currency other than the euro, for instance to a Swiss or Swedish account.
Where do you find your own SWIFT or BIC code?
Your own code is on your account statement, in the app and in your online banking, usually under the account details. If you are looking for it to put on an invoice to a foreign client, put it right next to your IBAN there, so the payer does not have to go looking.
You can also work the code out yourself. The four letters of the bank code in a Dutch IBAN are always the same as the first four letters of the corresponding code.
If your account number reads NL91 INGB, your code therefore starts with INGB. Handy if you receive an unfamiliar IBAN and want to know which institution that account is held at. How that number is built up further is set out in the article on what an IBAN number is.
One caveat: after a merger or takeover a bank code sometimes no longer resembles the institution's name. The code simply remains valid, because SWIFT's official register makes sure payments still arrive in the right place.
International payments without surprises
Filling in the code is one thing; knowing what an international transfer costs you is another. With many providers the margin is hidden in the exchange rate, so you only see afterwards what really came off your balance.
With the GoDutch business account you transfer money to more than 160 countries in over 20 currencies, via SEPA and SWIFT and, where applicable, via ACH and Fedwire. The rate carries no hidden mark-up and you see the costs up front in the app, before you approve the payment.
If you receive a payment from a foreign client, you will find the details you need to pass on simply under your account details in the app.
Handle your international payments in one app
Do you regularly do business across the border? See how international payments with GoDutch work, with the rate and the costs visible up front. You apply for your account in 3 minutes and have your IBAN and card within 1 day.
FAQ
Frequently asked questions about BIC and SWIFT codes
Why does my bank sometimes ask for a code and sometimes not?
Your bank only asks for a code when it cannot be derived automatically. Within SEPA the right code comes from the IBAN, so the field stays empty or is pre-filled. For a payment outside SEPA or in a foreign currency that is not possible and you have to fill it in yourself.
What do the characters in a BIC code mean?
Each of the characters has its own meaning. The first four characters stand for the institution, characters five and six are the country code, and characters seven and eight determine the time zone and network code. If three more characters follow, they refer to a specific branch or a specific department. Dutch codes for ordinary payments are almost always eight characters long, with NL as the country code.
What if the code is wrong?
If the code is wrong, the payment is usually rejected and the amount comes back to your account after a few days, often with charges. More awkward is a code that does exist but belongs to the wrong institution, because then the money can actually go the wrong way. If in doubt, always request the details from the recipient themselves and do not copy them from an old invoice.
Why does De Nederlandsche Bank's code start with FLOR?
De Nederlandsche Bank's code starts with FLOR because DNB uses those letters for the accounts that financial institutions hold at the central bank. Every IBAN at DNB therefore has FLOR as its bank code. You will not come across that code for ordinary payments, because those accounts are for settlement between institutions.
