What is a German bank code (BLZ)?
The Bankleitzahl (BLZ) is an eight-digit code used in Germany to uniquely identify credit institutions. It was introduced in 1970 by the Deutsche Bundesbank and today forms an integral part of every German IBAN. The BLZ enables the precise routing of transfers to the correct institution and branch.
When IBAN was rolled out in 2014, the BLZ was not replaced but integrated: positions 5-12 of a German IBAN contain the full bank code. This means the BLZ remains the central identifier of German banks even in modern SEPA payments.
Structure of the bank code
The eight-digit BLZ follows a systematic structure that encodes both geographic and institutional information:
- 1-3 Clearing regionThe first three digits identify the regional clearing area. Germany is divided into nine regions (1-9): 1 for Berlin, 2 for Bremen/Hamburg, 3 for Düsseldorf, 4 for Bielefeld, 5 for Frankfurt, 6 for Stuttgart, 7 for Munich, 8 for Nuremberg and 9 for Saarbrücken.
- 4 Bank groupThe fourth digit indicates the type of institution. 0 stands for Bundesbank, 1-3 for commercial banks, 4 for Commerzbank, 5 for savings banks (Sparkassen), 6-9 for cooperative banks (Volks- und Raiffeisenbanken).
- 5-8 Institution numberThe last four digits identify the specific institution or branch within the bank group and clearing region.
BLZ inside the IBAN
In a German IBAN the BLZ is always in the same place: positions 5 to 12 (after country code and check digits). For an IBAN such as DE89 37040044 0532013000, "37040044" is the BLZ of Commerzbank Cologne. "370" indicates the Düsseldorf/Cologne clearing region, and "4" marks a commercial bank.
History of the bank code
Before 1970 every bank used its own account number format, which made payments cumbersome. The introduction of a uniform BLZ system by the Bundesbank fundamentally standardized domestic payments. Originally the bank code was written by hand on transfer slips - today it is embedded in the IBAN and processed automatically.
The Deutsche Bundesbank updates the BLZ directory quarterly. Changes occur due to bank mergers, new registrations or branch closures. Our tool uses the latest Bundesbank data to give you accurate information at all times.