SWIFT Code GRFFDEM1 — GRAFAP AG, MUENCHEN

About SWIFT Code GRFFDEM1 — GRAFAP AG, MUENCHEN

SWIFT code GRFFDEM1 is the official 8-character head-office BIC (Bank Identifier Code) for GRAFAP AG in MUENCHEN, Germany. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by GRAFAP AG for all outward international remittances from MUENCHEN. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code GRFFDEM1

The code GRFFDEM1 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code GRFFDEM1

Receiving International Wire Transfers

To receive money from abroad at your GRAFAP AG account in MUENCHEN, share SWIFT code GRFFDEM1 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at GRAFAP AG, MUENCHEN must provide SWIFT code GRFFDEM1. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using GRAFAP AG in MUENCHEN rely on SWIFT code GRFFDEM1 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for GRAFAP AG →

For cheque clearing or NACH mandates, use the MICR code for GRAFAP AG →

For TDS challan deposits, find the BSR code for GRAFAP AG →

How SWIFT Code GRFFDEM1 Routes an International Transfer

1. Initiation: The sender provides SWIFT code GRFFDEM1 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to GRAFAP AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: GRAFAP AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code GRFFDEM1

• Spaces or lowercase letters — Always enter GRFFDEM1 uppercase with no spaces.
• Using the wrong city — This code is for MUENCHEN only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Germany.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm GRFFDEM1 directly with GRAFAP AG's MUENCHEN branch or via the SWIFT BIC Directory.