SWIFT/BIC code SPHNAT21XXX
SPHNAT21XXX belongs to Sparkasse Horn-Ravelsbach-Kirchberg AG in Horn, Austria.
Code details
| SWIFT/BIC code | SPHNAT21XXX |
|---|---|
| 8-character code | SPHNAT21 |
| Branch code | XXX |
| Bank | Sparkasse Horn-Ravelsbach-Kirchberg AG |
| Branch | Head office |
| City | Horn |
| Country | Austria |
The way the Sparkasse Horn-Ravelsbach-Kirchberg AG SWIFT/BIC is built up
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- SPHN Bank code
- 4 letters that identify the bank.
- AT Country code
- 2 letters for the country (ISO 3166).
- 21 Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Check before you send
- Ask the recipient which bank and branch the account is held at.
- Use the head office code (XXX) when no branch is specified.
- Make sure the country in the code matches the country of the account.
Frequently asked questions
What bank uses BIC SPHNAT21XXX?
The code SPHNAT21XXX belongs to the head office of Sparkasse Horn-Ravelsbach-Kirchberg AG in Horn, Austria. It is the code to use when a payment to Sparkasse Horn-Ravelsbach-Kirchberg AG does not need a specific branch.
What is the best way to send money to Sparkasse Horn-Ravelsbach-Kirchberg AG in Austria?
Banks often add 1–3% to the exchange rate on top of a fee. Compare the amount that arrives in Euro with transfer services before you send – the difference can be large.
What happens if I enter SPHNAT21XXX with a typo?
The payment may be delayed, returned or charged extra fees. Always check SPHNAT21XXX against the details from Sparkasse Horn-Ravelsbach-Kirchberg AG before you confirm.
Does Sparkasse Horn-Ravelsbach-Kirchberg AG have only one SWIFT/BIC code?
Yes, SPHNAT21XXX is the single SWIFT/BIC code listed for Sparkasse Horn-Ravelsbach-Kirchberg AG in Austria, so there is no branch code to choose.
What does each part of SPHNAT21XXX mean?
SPHN is the bank code of Sparkasse Horn-Ravelsbach-Kirchberg AG, AT stands for Austria, 21 is the code for the city or region and XXX means the head office.
Do I need SPHNAT21XXX to send euros to Austria?
Austria is part of the SEPA area. When you send euros the IBAN normally suffices. If you send another currency you still need SPHNAT21XXX.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.