Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) SWIFT/BIC code

Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) SWIFT code: VAIMAT21

VAIMAT21 and VAIMAT21XXX are the short and the long form of the same bank identifier, and both lead to Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) in Leoben. A BIC does one job: it ensures that an international payment reaches the right bank. It comes up mostly when dealing with payments that cross a border.

On this page you can read how the code means, when you need it and which other details you need for a transfer to or from Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden). The BIC names an institution, never a specific account, which is why you always need the account number too.

What to give a sender who pays you at Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden)

If you are waiting for money from abroad, send the payer a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC VAIMAT21XXX and your address.

It helps to add Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) and its city as well. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive is often less than the amount sent. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin applies. Agree with the sender who covers the fees.

Verifying the SWIFT code of Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden)

Ask the recipient to send you the bank details directly from their banking app. Check that code against VAIMAT21 on this page.

Mistakes in the SWIFT code are annoying rather than fatal. An error in the account number can be more serious because it can reach the wrong person.

Many banking apps check the structure of an IBAN – that confirms the format, not the owner. Some banks now check the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

What the XXX in VAIMAT21XXX means

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location. In this case, the 8-character core is VAIMAT21.

The long version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, so VAIMAT21XXX and VAIMAT21 are interchangeable.

Do not add spaces or dashes when you enter VAIMAT21. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

The Euro and what conversion costs you

Accounts at Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) are typically held in EUR, the national currency. If you send money in a different currency it gets converted somewhere along the way: by your bank, an intermediary or Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) itself. Each conversion eats into something.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Often it is cheaper to send EUR straight away through a provider with a good rate rather than letting the receiving bank convert.

The rate for EUR fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, a small gap in the rate adds up quickly.

Scams that use SWIFT codes

A common scam works like this: you receive a request saying that a supplier has new bank details and asking you to pay there from now on. The fact that VAIMAT21 exists does not mean that the account is genuine; criminals use the codes of real banks too.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference abroad. Do not act before the money has really arrived and check with Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) if anything seems off.

About this information

We gather bank codes from public sources and update them regularly. It is possible that a code on this page is out of date, for example after a merger. Counts and locations come from our directory and may differ from what Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) publishes.

See our directory here as a helpful check. GoldexPay is not affiliated with Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden). If you notice a mistake, we welcome a short note via the contact page.

How long does an international transfer to Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) take?

How fast a payment reaches Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country add a day or more, since banks do not process on those days. Occasionally a bank asks what the payment is for, which can hold things up.

If a transfer seems delayed, ask the sending bank for the status or the UETR. Money transfer services usually show a status in their app showing how far the money has got.

A missing payment has to be investigated by the sending bank on the basis of the transfer details. On the receiving end, you can look at your account to see a slightly lower amount, since fees may have been deducted.

Do you need VAIMAT21 for a SEPA transfer?

Inside SEPA, euro payments to Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) use common rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.

A SWIFT code like VAIMAT21 still matter when the currency is not euros, and for transfers from outside SEPA. If a payment form has a field for the BIC regardless, entering VAIMAT21 does no harm.

Instant payments in euros have become widely supported across SEPA. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive.

Which of the 2 codes of Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) do you need?

Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) has 2 different SWIFT/BIC codes. Only one is the head office code, VAIMAT21XXX; the others belong to branches or departments, and sometimes internal departments.

In most cases you do not need to look up a branch: payments sent to VAIMAT21XXX are routed within Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) correctly. A branch code only makes sense when the account holder explicitly asks for it.

The safest approach is to copy the code directly from the account holder’s bank details. Codes are sometimes changed or retired when banks reorganise.

Paying someone abroad from your Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) account

If you send money abroad from Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden), the visible fee is only part of what you pay. On top of a fixed fee, banks in between may take a cut, and when the money changes currency, the bank usually uses a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate and lower fees. GoldexPay lists transfer providers side by side, showing the amount the recipient gets before you commit. You can still keep your account at Volksbank Obersteiermark(Former Volksbank Aichfeld-Murboden) as the source of the money.