Was genau sind BIC, IBAN und SWIFT-Code?

von | 2017-12-27T18:38:55+00:00 07.05.2014|Allgemein, Payment|Kommentare deaktiviert für Was genau sind BIC, IBAN und SWIFT-Code?

BIC und IBAN bezeichnen Kontoverbindung und Geldinstitut im SEPA-Verfahren. Was genau bedeuten die Begriffe BIC, IBAN du SWIFT-Code?

Bisher wurden für den bargeldlosen Geldtransfer nur Kontonummer und Bankleitzahl benötigt. Im Rahmen der Umstellung auf das SEPA-Verfahren wurden Kontonummer und Bankleitzahl nun durch BIC und IBAN ersetzt. Viele Verbraucher und Händler wissen jedoch gar nicht genau, wozu BIC und IBAN dienen oder was ein SWIFT-Code ist.

IBAN: International account number and bank code

The IBAN (International Bank Account Number) is according to standard 13616 ISO (International Organization for Standardization), the new international bank account number. The very long combination of letters and letters often gives rise to confusion. Basically, however, it is easy to remember: the IBAN begins with a country code consisting of letters. For Germany, for example, DE. The following is a two-digit check number, which can be used to determine whether the respective IBAN is plausible. The country code and the test number are defined internationally. This is followed by a nationally defined component. In the Federal Republic, this is the bank sort code and the account number. Within a country the IBAN is always the same length,

BIC: Clear identification of credit institutions

The abbreviation BIC stands for Bank Identifier Code. This code allows the unambiguous identification of credit institutions according to ISO standard 9362. The BIC is sometimes referred to as a SWIFT code. An international BIC directory is issued by SWIFT (Society for Worldwide Interbank Financial Telecommunication). Therefore, the designation SWIFT code – BIC and SWIFT code are also used synonymously. The BIC consists of 8 or 11 digits and must not be specified in Germany for national transfers since February 2014.

The conversion to BIC and IBAN

BIC and IBAN are issued by the respective bank account holder. You can find the account identifiers on the account statement. They can also be accessed via online banking. For online shop operators, it is important to specify BIC and IBAN on their own website and, of course, on letterheads and invoices, in order to make the payment process as simple as possible for the customer. But not only for transfers by the customer is the indication of the international account connection necessary – also for the load receipt are some things to be considered. For a SEPA direct debit mandate, the payee (vendor) must have a written authorization to debit the debtor (debtor).

von | 2017-12-27T18:38:55+00:00 07.05.2014|Allgemein, Payment|Kommentare deaktiviert für Was genau sind BIC, IBAN und SWIFT-Code?

Über den Autor:

Holger Bosk

Holger Bosk ist CTO der Novalnet AG. Er verfügt über langjährige Erfahrungen im Payment-Sektor.