SWIFT Code HCEMDE66 — HEIDELBERGCEMENT AG, HEIDELBERG

About SWIFT Code HCEMDE66 — HEIDELBERGCEMENT AG, HEIDELBERG

SWIFT code HCEMDE66 is the official 8-character head-office BIC (Bank Identifier Code) for HEIDELBERGCEMENT AG in HEIDELBERG, 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 HEIDELBERGCEMENT AG for all outward international remittances from HEIDELBERG. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code HCEMDE66

The code HCEMDE66 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code HCEMDE66

Receiving International Wire Transfers

To receive money from abroad at your HEIDELBERGCEMENT AG account in HEIDELBERG, share SWIFT code HCEMDE66 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 HEIDELBERGCEMENT AG, HEIDELBERG must provide SWIFT code HCEMDE66. 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 HEIDELBERGCEMENT AG in HEIDELBERG rely on SWIFT code HCEMDE66 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 HEIDELBERGCEMENT AG →

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

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

How SWIFT Code HCEMDE66 Routes an International Transfer

1. Initiation: The sender provides SWIFT code HCEMDE66 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 HEIDELBERGCEMENT AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: HEIDELBERGCEMENT AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code HCEMDE66

• Spaces or lowercase letters — Always enter HCEMDE66 uppercase with no spaces.
• Using the wrong city — This code is for HEIDELBERG 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 HCEMDE66 directly with HEIDELBERGCEMENT AG's HEIDELBERG branch or via the SWIFT BIC Directory.