{"id":30649,"date":"2026-08-20T12:43:45","date_gmt":"2026-08-20T10:43:45","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/incoming-international-credit-transfers-how-it-works\/"},"modified":"2026-08-24T17:27:08","modified_gmt":"2026-08-24T15:27:08","slug":"incoming-international-credit-transfers-how-it-works","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/incoming-international-credit-transfers-how-it-works\/","title":{"rendered":"Incoming international credit transfers \u2014 how it works"},"content":{"rendered":"

\ud83c\udf0d How do incoming international transfers work?<\/h1>\n

Your Accountable Banking account can receive credit transfers from abroad, regardless of the currency the sender uses. Swan’s BIC is connected to the SWIFT network, so your IBAN is all the sender needs \u2014 no separate account required.<\/p>\n

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\ud83d\udccb What details should the sender use?<\/h1>\n

Ask the sender to provide the following details to their bank when initiating the transfer:<\/p>\n

\n\n\n\n\n\n\n
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Beneficiary IBAN<\/b><\/p>\n<\/td>\n

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Your IBAN (visible in the Accountable app under Banking)<\/p>\n<\/td>\n<\/tr>\n

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Beneficiary name<\/b><\/p>\n<\/td>\n

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Your full name as registered on your account<\/p>\n<\/td>\n<\/tr>\n

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Swan BIC<\/b><\/p>\n

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For SEPA transfers<\/b><\/p>\n<\/td>\n

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Germany: SWNBDEBB<\/b>
Belgium: SWNBBEB2<\/b><\/p>\n<\/td>\n<\/tr>\n

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Intermediary SWIFT<\/b><\/p>\n

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For international SWIFT transfers only<\/b><\/p>\n<\/td>\n

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TRWIGB2B<\/b> \u2014 Wise, United Kingdom
For currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HUF, JPY, NOK, NZD, PLN, SEK, SGD, USD
\u200b
\u200bTRWIBEB3<\/b> \u2014 Wise Europe SA, Belgium
For currencies: AED, ARS, BDT, BRL, BWP, CLP, CNY, COP, CRC, EGP, EUR, FJD, GEL, GHS, HRK, IDR, ILS, INR, KES, KRW, LKR, MAD, MXN, MYR, NPR, PHP, PKR, RON, RUB, THB, TRY, TZS, UAH, UGX, UYU, VND, ZAR, ZMW<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\u26a0\ufe0f A currency being listed here does not mean transfers from that country are accepted. Always check the allowed countries list<\/a> before sharing your IBAN with a sender abroad.<\/p>\n

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\ud83d\udcb6 Will I receive the money in euros?<\/h1>\n

Yes. Accountable Banking accounts are euro-based. If the sender transfers in another currency (e.g. GBP or USD), the amount is converted to euros before it reaches your account. The conversion is handled by the intermediary banks along the route.<\/p>\n

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If Swan performs the final currency conversion, an additional fee applies on top of the standard \u20ac5 processing fee (e.g. 0.6% for USD). If the transfer arrives already converted to euros, only the flat \u20ac5 fee applies.<\/p>\n

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\u26a0\ufe0f What happens to fees?<\/h1>\n

Two types of fees can apply to incoming international transfers:<\/p>\n