IBAN in Germany
Germany IBANs are 22 characters long, starting with DE. Below you'll find the format, an example, and 6 major banks with SWIFT codes.
Germany IBAN Format
Euro · EUR
Germany IBAN Structure
2-letter country code + 2 check digits + 8-digit bank code (Bankleitzahl) + 10-digit account number
How Bitwage Pays Germany
Bitwage routes Germany contractor payments via SEPA instant transfer — typically free and settling in under 10 seconds. You enter the contractor's IBAN and SWIFT code; Bitwage handles FX conversion and routing.
See all Germany payment railsMajor Banks in Germany with SWIFT Codes
Click any bank for a bank-specific IBAN example and payment instructions.
| Bank | SWIFT / BIC | |
|---|---|---|
| Deutsche Bank | DEUTDEDB | IBAN guide |
| Commerzbank | COBADEFF | IBAN guide |
| Sparkasse (Savings Banks) | BELADEBE | IBAN guide |
| DZ Bank | GENODEFF | IBAN guide |
| KfW Bank | KFWIDEFF | IBAN guide |
| N26 | NTSBDEB1 | IBAN guide |
Skip the SWIFT fee. Pay via Bitwage.
Route Germany contractor payments via SEPA — same-day, near-zero fees.
Germany IBAN FAQ
Common questions about Germany IBAN format, validation, and international payments.
Germany IBANs are 22 characters long and always start with DE. The structure is: 2-letter country code + 2 check digits + 8-digit bank code (Bankleitzahl) + 10-digit account number. An example Germany IBAN looks like: DE89 3704 0044 0532 0130 00.
For SEPA payments within the EU/EEA — including to Germany — the IBAN alone is sufficient. For international SWIFT international wire transfer wires from outside the SEPA zone, you will also need the bank's BIC/SWIFT code.
Germany is in the SEPA bank transfer zone, so Bitwage routes your payment via SEPA — typically for free or a fraction of a percent. No $25–50 SWIFT wire fee. Just enter the contractor's IBAN and Bitwage handles the rest via {{link:products/contractor-payments}}.
A valid Germany IBAN is exactly 22 characters, starts with DE, and passes the mod-97 check digit algorithm. Bitwage validates all IBANs automatically before routing any payment — preventing misdirected funds. For batch payments, use {{link:products/masspay}} with CSV upload.
Ready to Pay Germany Contractors?
Skip the SWIFT fee. Bitwage routes via SEPA instant — faster and cheaper.