Raiffeisenbank Ennstal SWIFT/BIC code

What RZOOAT2L means for a payment to Raiffeisenbank Ennstal

RZOOAT2L and RZOOAT2L080 are two ways of writing the same SWIFT/BIC code, and both lead to Raiffeisenbank Ennstal in Ternberg. Banks worldwide use BIC codes to route international transfers to the correct bank. It comes up mostly when dealing with transfers between countries or a currency.

This page is meant to help people who pays into an account at Raiffeisenbank Ennstal without mistakes. The SWIFT code on its own cannot identify an individual account holder; for that you need the IBAN or account number .

Scams that use SWIFT codes

Criminals often use payment requests with new bank details sent from what looks like a familiar address. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify changed payment details through a different channel. Watch out for urgent requests, unusual wording or a sender address that is slightly off. When a payment has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams can also target the receiver. Someone claims to have sent more than agreed and asks you to refund the extra. Do not act before the money is actually in your account.

Sending money abroad from Raiffeisenbank Ennstal

When you transfer money to another country from Raiffeisenbank Ennstal, the fee you see is rarely all of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the largest cost because it is hidden in the rate. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many routes, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean closing your account at Raiffeisenbank Ennstal.

Is RZOOAT2L still correct? How to check

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare it with RZOOAT2L on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause delays, a returned payment or extra fees. Do not forget the account number: a mistake there can be harder to undo than a wrong code.

Many banking apps check the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a payee name check on the recipient adds an extra layer of safety. For a first payment, many people send a small test amount before sending the rest.

About this information

The details here come from public sources which we refresh regularly. Banks reorganise, change names and change codes – a directory can be a step behind. The figures on this page are based on what is in our directory, not official figures from Raiffeisenbank Ennstal.

Treat our directory on this page as a handy check. We are an independent comparison service for money transfers and not affiliated with Raiffeisenbank Ennstal. Spotted outdated information? Tell us via our contact form and we will look into it.

What the XXX in RZOOAT2L080 means

A BIC is made up of fixed blocks: characters one to four stand for the bank, the next two give the country and the two after that indicate the location. The result is RZOOAT2L for Raiffeisenbank Ennstal.

XXX at the end of RZOOAT2L080 does not stand for a placeholder or a mistake: it stands for the head office of Raiffeisenbank Ennstal. Some banking apps insist on 11 characters, in which case you can enter XXX after RZOOAT2L.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. A wrong character may route a payment to another bank.

How long does an international transfer to Raiffeisenbank Ennstal take?

How quickly a payment reaches Raiffeisenbank Ennstal is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Extra checks by one of the banks can also add a delay, even when all details are correct.

Many banks use SWIFT gpi. Each payment carries a unique reference, the UETR. Save the payment confirmation – you will need it for any trace request.

If the money does not arrive after a few business days, the person who paid needs to start with the bank that sent it, not the receiving bank. Ask the sender for the payment receipt with the date and reference.

Raiffeisenbank Ennstal: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Raiffeisenbank Ennstal, spread over 1 locations. Next to the head office code RZOOAT2L080, you will find codes for branches, departments or specific services.

For most payments to a private or business account, the head office code RZOOAT2L080 is the right choice. A branch code only makes sense if the account holder explicitly mentions it.

Unsure which code applies? Check with the recipient. Codes can change over time, so a code from an old document is not always valid.

Receiving money from abroad at Raiffeisenbank Ennstal

When you expect money from abroad, give the sender all details at once. In practice that means: your full name as registered with Raiffeisenbank Ennstal, your account number or IBAN, the BIC RZOOAT2L080 and sometimes your postal address.

You can include Raiffeisenbank Ennstal and its city too, since some forms ask for it. A mistake in your account number can be more trouble than it looks, so copy the details from your online banking.

Money from abroad will not always land for the full amount. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Agree with the sender who pays which costs.

The Euro and what conversion costs you

Austria pays in the Euro, code EUR. Money sent in a different currency is exchanged into EUR before it reaches the account. Every conversion costs something.

Which bank converts the money makes a difference: every bank has its own margin. In many cases you pay less if you send EUR straight away via a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates move during the day – some services let you fix a rate in advance. For regular payments, small differences in the rate make a real difference over a year.

SEPA payments and the Raiffeisenbank Ennstal BIC

Austria is a member of the SEPA area. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You will still need RZOOAT2L080 when sending non-euro payments or transfers from countries outside SEPA. Some banks and apps also ask for the BIC; if so, enter RZOOAT2L.

Instant payments in euros are increasingly available across SEPA; check with Raiffeisenbank Ennstal whether it applies to your account. Provided the payment stays in euros, the transfer tends to be inexpensive; costs rise once a conversion is involved.