Is Germany a SEPA country (Is Germany part of SEPA)?

12 Apr 2022 By PAYCEC

YES. Germany is a SEPA country. You can make payments or get paid from other countries in the SEPA schemes like domestic transfers in real-time. You also enjoy the benefits of open banking features and cost-effective payment fees.

In addition, most banks in Germany allow you to transfer money worldwide using a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code. You can do this either online, by using a bank app, or by visiting a branch in person.

Many people choose to manage their accounts through online and mobile banking rather than going to the bank in person since it is more convenient. Fortunately for expats in Germany, most banks provide online and mobile banking through websites and mobile apps.

In addition, in recent years, a number of online-only and mobile-only banks have developed, including the following:

  • bunq – a website and mobile banking app
  • N26 – a website and mobile banking app
  • Revolut – a website and mobile banking app
  • DKB – the second-largest direct bank in Germany
  • ComDirect – the third-largest direct bank in Germany
  • Santander – offers online and telephone banking services

What is the IBAN code in Germany?

IBAN in Germany consists of 22 characters:

  • 2 letters country code
  • 2 digit check number
  • 8 digits for the bank code (BLZ code)
  • 10 digit code for the bank account number
IBAN DE89 3704 0044 0532 0130 00
ISO Country Code DE (Germany)
IBAN Check Digits 89
BBAN 3704 0044 0532 0130 00
Bank Identifier 37040044
Account Number 0532013000
SEPA Member Yes

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