Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) SWIFT/BIC code

Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) SWIFT code: VSTOAT21

The short code VSTOAT21 and the full code VSTOAT21XXX refer to one and the same institution: Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh). A SWIFT code shows the banks handling a payment which institution is meant to get the money. It comes up mostly when dealing with transfers between countries.

This page is meant to help anyone who receives money at an account at Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) without mistakes. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN .

What the XXX in VSTOAT21XXX means

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and two for the location, sometimes followed by a branch code. That gives you VSTOAT21.

XXX at the end of VSTOAT21XXX is not a missing value or a mistake: it stands for the main office of Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh). Some banking apps ask for 11 characters, in which case you can add XXX behind VSTOAT21.

Do not add spaces, dots when you type VSTOAT21. Look out for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

When will the money arrive at Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh)?

An international transfer typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday often start a business day later. Sometimes a bank asks about the purpose of a payment.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often show a status online so you can see where the money has got.

Only the sending bank can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can look at your account for a slightly lower amount.

Watch out for payment fraud

Criminals often use payment requests with changed bank details, sometimes in an email that looks completely genuine. The fact that VSTOAT21 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Check new bank details through a separate channel. Urgency or requests to keep it quiet are warning signs; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from without delay and ask them to start a recall.

Recipients are targeted too: a classic trick is an overpayment followed by a request to send back the difference to another account. A payment confirmation from the sender proves nothing.

What to give a sender who pays you at Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh)

Someone abroad who wants to pay you needs a few details about your account, and missing ones are a common cause of delays. Give them your name as the bank knows it, the IBAN or account number, the BIC VSTOAT21XXX and your address, which some banks require.

It helps to add Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) and its city too. A mistake in your account number is more trouble than you might think, so copy the details from your online banking.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. For business payments, you can agree who bears the costs to avoid a shortfall.

A note on our data

We gather bank codes using public sources and check them from time to time. Still, banks merge, rename themselves or change codes. Figures such as the number of codes are from our directory and may differ from what Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) publishes.

For any payment that matters, confirm the code with Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) or with the recipient. GoldexPay has no connection to Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh). Should you notice something that is out of date, we appreciate a short note via the contact page.

Sending EUR to Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh)

Accounts at Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) are typically held in EUR, the national currency. If you send another currency, the amount has to be converted somewhere along the way. You rarely see a separate charge for that conversion; it is built into the rate.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Sending the money already in EUR usually avoids a second conversion at the receiving end – as long as your own rate is good.

The rate for EUR changes constantly, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate make a real difference over a year.

Is VSTOAT21 still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare that code against VSTOAT21 here.

With a wrong code, the transfer might get stuck, be returned or end up costing more, and tracing it can take weeks. A mistake in the account number is more serious, so check that just as carefully.

A validity check by your bank merely tells you that the IBAN exists. If your bank offers it, a name check before sending adds an extra layer of safety. Sending a small amount first can be worth it for a large first payment despite the extra fee.

Choosing between the 2 SWIFT codes of Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh)

We have 2 SWIFT/BIC codes for Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh), spread over 1 locations. Besides the head office code VSTOAT21XXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code VSTOAT21XXX works fine. A branch code only makes sense if the recipient’s bank specifically mentions it, which is more common for corporate accounts and trade services.

The safest route is to copy the code directly from the recipient’s statement. Codes for branches are more prone to be retired than VSTOAT21XXX.

Paying Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) in euros within SEPA

Inside SEPA, euro payments to Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh) follow common rules and in most cases need only the IBAN. A field for the BIC is often optional for those payments.

Outside the euro and from non-SEPA countries, VSTOAT21XXX is still required. If a payment form has a field for the BIC anyway, adding VSTOAT21 is fine.

SEPA transfers usually arrive within one business day. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

International transfers from Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh): the real cost

The price of a payment abroad is made up of more than one component – not just the fee on your screen. On top of a fixed fee, banks in between can take a cut, and if the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

Banks rarely list their exchange rate markup separately. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer. On GoldexPay you can compare the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at Volksbank Niederoesterreich AG (Former Volksbank Donau-Weinland Reg.genmbh).