Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) SWIFT/BIC code

SWIFT/BIC code of Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG)

VOKKAT21 and VOKKAT21XXX are two ways of writing the same SWIFT/BIC code, and both lead to Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) in Graz. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. You will need it mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page you will find how the code means, when it matters and what else a transfer to or from Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) requires. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

Do you need VOKKAT21 for a SEPA transfer?

Inside SEPA, euro payments to an account in Austria follow common rules. A field for the BIC is usually optional or missing in that case.

A SWIFT code like VOKKAT21 still come into play for payments in other currencies, and for transfers from outside SEPA. If your banking app has a field for the BIC regardless, entering VOKKAT21 does no harm.

Euro payments within SEPA usually arrive by the next business day. Fees for SEPA payments tend to be low.

Paying into Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) in EUR

Austria uses the Euro, code EUR. A payment in a foreign currency will be converted into EUR before it reaches the account, and whoever converts it chooses the rate. Each conversion eats into something – usually through the rate rather than a fee.

Who converts the payment matters. Check what EUR the recipient gets with different services; the difference between options can be larger than you expect.

Rates for EUR move during the day, and some providers let you lock in a rate. If you pay regularly, a slightly better rate add up over time.

Transfer times and tracking a payment to Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG)

How fast a transfer reaches Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Weekends and public holidays in either country add extra days to the journey. Extra checks by one of the banks may also add a delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Save the payment confirmation until the money has arrived – you will need it for any trace request.

The bank that sent the money can start an official trace or a recall. Ask the sender for a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Paying someone abroad from your Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) account

A bank transfer abroad costs rather more than the listed fee. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup.

Banks do not show the margin on the rate separately, but you pay it all the same. Check their rate with the mid-market rate; the gap is what conversion costs you.

For a lot of routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets before you commit. You can always use your account at Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) to fund the transfer; only the conversion and sending happen elsewhere.

A note on our data

The details here come from publicly available data which we refresh regularly. Banks merge, change names and change codes. Figures such as the number of codes come from our directory and are not confirmed by Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG).

Treat our data as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG); we are a comparison site for money transfers. Spotted an error? Tell us via our contact form.

Head office or branch code at Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG)?

Our database contains 2 SWIFT/BIC codes for Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG). Besides the head office code VOKKAT21XXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use VOKKAT21XXX or its short form VOKKAT21. If you have been given a branch code, stick to it rather than replacing it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more likely to change than VOKKAT21XXX.

Incoming international payments to Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG)

If you are waiting for money from abroad, give the sender all details at once. The basics are: your name, IBAN or account number, VOKKAT21XXX or VOKKAT21 and often your postal address.

Some banks want the bank’s address, so keep it at hand. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always arrive in full. Fees for incoming transfers vary per bank – the price list of Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

Protect yourself against fake payment requests

Be alert when a contact unexpectedly asks you to pay into a different account or a bank in another country. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, verify changed bank details through a phone call. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If money has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone sends too much and wants you to return the difference. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

How to check VOKKAT21 before you pay

Ask the recipient to send you their bank details directly from a recent statement. Check that code against VOKKAT21 on this page.

Mistakes in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Do not forget the IBAN: an error there is more difficult to correct than a wrong code.

A validity check by your bank merely confirms that the IBAN is valid, not that it is the right account. Where available, a payee name check on the recipient adds extra certainty. A small test payment can be a sensible step for large sums.

Why Volksbank Steiermark Mitte AG (Former Volksbank Fuer Die Sued-U.weststeiermark EG) has an 8- and an 11-character code

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and two for the location. Combined, those parts make up VOKKAT21 – the version you usually see online.

Many banks and apps work with either length. If yours requires eleven characters, use VOKKAT21XXX; if it wants eight, use VOKKAT21.

In practice the code is typed in capitals. Copying the code beats typing it by hand: a typo can point to another bank.