{"id":37952,"date":"2026-10-31T02:35:00","date_gmt":"2026-10-31T01:35:00","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/incoming-international-credit-transfers-how-it-works-3\/"},"modified":"2026-10-31T02:35:00","modified_gmt":"2026-10-31T01:35:00","slug":"incoming-international-credit-transfers-how-it-works-3","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/incoming-international-credit-transfers-how-it-works-3\/","title":{"rendered":"Incoming international credit transfers: 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. This article covers the sender details to share, how fees work, processing times, and when a transfer may be rejected.<\/p>\n

\u200b<\/p>\n

\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
\n

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

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Your IBAN (visible in Accountable under Banking<\/b>)<\/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

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

\n

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

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

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

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TRWIGB2B<\/b>, Wise, United Kingdom
For currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HUF, JPY, NOK, NZD, PLN, SEK, SGD, USD<\/p>\n

TRWIBEB3<\/b>, 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

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\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<\/div>\n

\u200b<\/p>\n

\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

\u200b<\/p>\n

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

\u200b<\/p>\n

\u26a0\ufe0f What fees apply to incoming international transfers?<\/h1>\n
\n

\ud83d\udca1 SEPA transfers are free.<\/b> Swan does not charge any fees on incoming or outgoing SEPA transfers, for example payments from PayPal (Luxembourg) or Stripe (Ireland). The fees below apply only to international transfers outside the SEPA network.<\/p>\n<\/div>\n

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