SPMHDE3E — Sparkasse Mülheim an der Ruhr
SPMHDE3E is the SWIFT/BIC code for Sparkasse Mülheim an der Ruhr in MUELHEIM AN DER RUHR, Germany — an 8-character head-office code under ISO 9362.
SPMHDE3E is the SWIFT/BIC code for Sparkasse Mülheim an der Ruhr in MUELHEIM AN DER RUHR, Germany. It is an 8-character head-office identifier under the ISO 9362 standard.
BIC breakdown (ISO 9362)
| Field | Value |
|---|---|
| Institution | Sparkasse Mülheim an der Ruhr |
| Country | Germany (DE) |
| Location Code | 3E |
| Branch | None |
| Type | 8-character head-office code (BIC8) |
⚠️ Critical Money Transfer Warning (YMYL)
Verify the BIC with your beneficiary bank: Database records are informational only. swiftbic.org is not affiliated with SWIFT. Always verify the SWIFT/BIC code and name of the beneficiary with the receiving bank or official registration records before initiating any international wire transfer.
Common Mistakes: Do not confuse the SWIFT/BIC code (identifies the bank branch) with the IBAN (identifies the specific bank account). Using an incorrect branch suffix or a deactivated code can result in payments being returned, delayed, or subject to significant administrative return fees.
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Frequently asked questions
What bank does the SWIFT code SPMHDE3E belong to?
The SWIFT code SPMHDE3E identifies Sparkasse Mülheim an der Ruhr in MUELHEIM AN DER RUHR, Germany. This head office code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code SPMHDE3E mean?
The 8 or 11 characters of SPMHDE3E are parsed as follows: characters 1-4 (SPMH) represent the bank code for Sparkasse Mülheim an der Ruhr; characters 5-6 (DE) indicate the country code for Germany; characters 7-8 (3E) specify the location code; and the final characters (—) designate the specific branch.
Is the BIC code SPMHDE3E active on the SWIFT network?
Yes, the Business Identifier Code (BIC) SPMHDE3E is registered under ISO 9362 and is active for routing interbank messages. Location characters '3E' designate it as a primary active participant.
Can I use the head office code SPMHDE3E instead of SPMHDE3E?
Yes. The 8-character code SPMHDE3E represents the primary headquarters of Sparkasse Mülheim an der Ruhr. The 11-character code SPMHDE3E targets the head office directly. If the branch code is unknown, sending payments to SPMHDE3E (or SPMHDE3EXXX) will route them to the main head office.
What is the physical address of the bank registered to SPMHDE3E?
The physical address registered for SPMHDE3E is: BERLINER PLATZ 1, 45466, MUELHEIM AN DER RUHR, Germany. Verify this address matches your recipient's branch details before initiating a transaction.
What routing networks operate with the SPMHDE3E code in Germany?
The SWIFT code SPMHDE3E is used for international inbound wire transfers in Germany. It operates alongside the SEPA network, requiring the BIC to be paired with a 22-character IBAN.
Sources & References
- 🌐 ISO 9362: The official standard defining the Business Identifier Code (BIC) format guidelines.
- 🏢 SWIFT Registration Authority: The organization designated by ISO to register and publish BICs (swift.com).
- 🏦 Deutsche Bundesbank: Official German central bank directory release for routing and clearings.