Raiffeisenlandesbank Niederoesterreich-Wien AG SWIFT/BIC code

RLNWATWW – the SWIFT/BIC code of Raiffeisenlandesbank Niederoesterreich-Wien AG

RLNWATWW and RLNWATWWXXX are two ways of writing the same SWIFT/BIC code, and both lead to Raiffeisenlandesbank Niederoesterreich-Wien AG in Vienna. Every bank on the SWIFT network uses BIC codes to direct international transfers to the right institution. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page you can read what the code means, when you need it and which other details a transfer to or from Raiffeisenlandesbank Niederoesterreich-Wien AG requires. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

8 or 11 characters: RLNWATWW versus RLNWATWWXXX

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. Combined, these eight characters form RLNWATWW.

Many payment forms work with either length. If yours asks for eleven characters, use RLNWATWWXXX.

Leave out spaces when you enter RLNWATWW; the code is always written in one block. Watch for O versus 0 and I versus 1; they are easy to mix up.

Receiving money from abroad at Raiffeisenlandesbank Niederoesterreich-Wien AG

To receive a transfer from abroad at Raiffeisenlandesbank Niederoesterreich-Wien AG, the sender has to have not just the BIC. What they need is: your name, account number or IBAN, RLNWATWWXXX and often your home address.

The sender’s bank might request the bank address of Raiffeisenlandesbank Niederoesterreich-Wien AG; the head office in Vienna is usually fine. Check the details before you send them.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers differ from bank to bank. For business payments, it is common to state how the fees are split, so that nobody is left short.

Tracking a transfer to or from Raiffeisenlandesbank Niederoesterreich-Wien AG

A SWIFT payment usually takes anywhere from one to several business days. Payments made late in the day or just before weekends and holidays often start the next business day. Sometimes a bank asks about the purpose of a payment.

A growing number of banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Save the payment confirmation until the money has arrived.

If a payment has not arrived within the expected time, the sender needs to start with their own bank, not the receiving bank. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

How up to date is this code?

The details on this page come from publicly available data that we update regularly. It can happen that a code here is out of date, for example after a merger. The number of codes on this page are based on our own data.

For a payment that matters, always confirm the code with the recipient’s bank or with the recipient. GoldexPay is independent of Raiffeisenlandesbank Niederoesterreich-Wien AG; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page.

Paying into Raiffeisenlandesbank Niederoesterreich-Wien AG in EUR

Austria uses the Euro, with the currency code EUR. If you send another currency has to be converted at some point. You rarely see a separate line for that conversion.

Who converts the payment makes a difference, because each party uses its own rate. Check what EUR the recipient gets via different services before choosing one.

The EUR rate changes constantly, so the amount you see is usually only valid for a short time. For recurring payments, small differences in the rate make a real difference over time.

Verifying the SWIFT code of Raiffeisenlandesbank Niederoesterreich-Wien AG

The most reliable source for a SWIFT code is the bank details provided by the recipient. If the code you have does not match RLNWATWW or RLNWATWWXXX, do not guess: check with the recipient or with Raiffeisenlandesbank Niederoesterreich-Wien AG directly.

An incorrect BIC may lead to a delay, a payment being sent back or additional charges along the way. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else.

Most online banking apps validate the format of IBANs and some suggest the matching BIC. Where available, a name check on the recipient adds an extra layer of safety. When you pay someone new, some people start with a small test amount before sending the rest.

Raiffeisenlandesbank Niederoesterreich-Wien AG: head office code versus branch codes

Raiffeisenlandesbank Niederoesterreich-Wien AG uses 7 separate SWIFT/BIC codes across 7 locations. One of them is the head office code; the others identify branches, and sometimes specific services.

In most cases you do not need to look up a branch: transfers addressed to RLNWATWWXXX reach Raiffeisenlandesbank Niederoesterreich-Wien AG without problems. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, check with the recipient which code their bank gave them. Branch codes can change when banks reorganise.

Protect yourself against fake payment requests

One of the most common tricks works like this: you receive a message claiming that a company has new bank details and that the next payment should go there. The fact that RLNWATWW exists is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Check new payment details via a separate channel like a call to a number from an earlier contract, not by replying to the message. Urgency and requests to keep it quiet are red flags – a real supplier can wait a day. If a payment was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference abroad. Wait until the money has really arrived and check with Raiffeisenlandesbank Niederoesterreich-Wien AG if anything seems off.

International transfers from Raiffeisenlandesbank Niederoesterreich-Wien AG: the real cost

What you pay for an international transfer has several parts, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: the bank converts at a rate that includes a margin. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. GoldexPay lists these services next to each other so you can see what actually arrives for the same amount sent. You can still keep your account at Raiffeisenlandesbank Niederoesterreich-Wien AG as the source of the money; only the conversion and sending happen elsewhere.

Do you need RLNWATWW for a SEPA transfer?

Within the SEPA zone, euro payments to Raiffeisenlandesbank Niederoesterreich-Wien AG follow common rules. A field for the BIC is usually optional or missing in that case.

The BIC still matter for payments in other currencies, and for transfers from outside SEPA. If a payment form asks for the BIC anyway, adding RLNWATWW is fine.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low.