SWIFT Code MALADE51KAD — SPARKASSE GERMERSHEIM - KANDEL, KANDEL

About SWIFT Code MALADE51KAD — SPARKASSE GERMERSHEIM - KANDEL, KANDEL

SWIFT code MALADE51KAD is the official 11-character branch-specific BIC (Bank Identifier Code) for SPARKASSE GERMERSHEIM - KANDEL in KANDEL, 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 SPARKASSE GERMERSHEIM - KANDEL for all outward international remittances from KANDEL. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code MALADE51KAD

The code MALADE51KAD follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code MALADE51KAD

Receiving International Wire Transfers

To receive money from abroad at your SPARKASSE GERMERSHEIM - KANDEL account in KANDEL, share SWIFT code MALADE51KAD 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 SPARKASSE GERMERSHEIM - KANDEL, KANDEL must provide SWIFT code MALADE51KAD. 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 SPARKASSE GERMERSHEIM - KANDEL in KANDEL rely on SWIFT code MALADE51KAD 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 SPARKASSE GERMERSHEIM - KANDEL →

For cheque clearing or NACH mandates, use the MICR code for SPARKASSE GERMERSHEIM - KANDEL →

For TDS challan deposits, find the BSR code for SPARKASSE GERMERSHEIM - KANDEL →

How SWIFT Code MALADE51KAD Routes an International Transfer

1. Initiation: The sender provides SWIFT code MALADE51KAD 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 SPARKASSE GERMERSHEIM - KANDEL.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SPARKASSE GERMERSHEIM - KANDEL receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code MALADE51KAD

• Spaces or lowercase letters — Always enter MALADE51KAD uppercase with no spaces.
• Using the wrong city — This code is for KANDEL 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 MALADE51KAD directly with SPARKASSE GERMERSHEIM - KANDEL's KANDEL branch or via the SWIFT BIC Directory.