Ringkjobing Landbobank A/S SWIFT/BIC code

What RINGDK22 means for a payment to Ringkjobing Landbobank A/S

The 8-character code RINGDK22 and the full code RINGDK22XXX identify the same bank: Ringkjobing Landbobank A/S in Ringkoebing, Denmark. A SWIFT code tells the banks handling a payment which institution should receive the money, a bit like a postal address for banks. In daily life you mostly see the code on international invoices, in your banking app and in the bank details that Ringkjobing Landbobank A/S provides.

Further down we go through the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you hit send. The BIC identifies a bank or branch, never a single account, which is why you always need the account number too.

Getting paid from abroad into a Ringkjobing Landbobank A/S account

When you expect money from abroad, send the payer a complete set of details. Share your name as the bank knows it, your account number or IBAN, the BIC RINGDK22XXX and your address, which some banks require.

It helps to include Ringkjobing Landbobank A/S and its city as well, because some payment forms have separate fields for them. A mistake in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive is often less than the amount sent. Fees for incoming transfers vary from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Scams that use SWIFT codes

Stay wary if a contact unexpectedly wants you to send money to a different account or a bank in another country. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never rely on contact details in the same message that announces the change. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. When money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to refund the difference. Do not act before the money has really arrived and check with Ringkjobing Landbobank A/S if anything seems off.

How up to date is this code?

The codes on this page are taken from public sources that we update regularly. It can happen that a code here is no longer current. The number of codes on this page reflect our own data, not official figures from Ringkjobing Landbobank A/S.

For any payment of any size, always check the BIC with the recipient’s bank or the recipient. GoldexPay is a comparison service for money transfers and not affiliated with Ringkjobing Landbobank A/S. If you notice something that is out of date, we welcome a message.

Head office or branch code at Ringkjobing Landbobank A/S?

Having 6 codes, Ringkjobing Landbobank A/S is one of the banks that use individual codes for parts of the organisation and departments. The main code is RINGDK22XXX.

If nobody asks you for a branch code, go with RINGDK22XXX. Branch codes are only needed if the recipient’s bank specifically mentions it, which is more common for corporate accounts and trade services.

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

SEPA payments and the Ringkjobing Landbobank A/S BIC

Within the SEPA zone, euro payments to an account in Denmark use 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 for senders outside SEPA, RINGDK22XXX or RINGDK22 is still required. If your banking app has a field for the BIC regardless, entering RINGDK22 does no harm.

Instant euro transfers are increasingly supported across SEPA. Charges on SEPA transfers tend to be low as long as everything stays in euros.

What a transfer from Ringkjobing Landbobank A/S abroad really costs

What you pay for a payment abroad has several parts, and the transfer fee is only the most visible one. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. An easy check: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently offer a rate near the mid-market rate. Before your next transfer, it is worth comparing what arrives on GoldexPay. Using a transfer service does not require closing your account at Ringkjobing Landbobank A/S.

How long does an international transfer to Ringkjobing Landbobank A/S take?

How quickly a payment reaches Ringkjobing Landbobank A/S is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Bank holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments may also add a delay.

Many banks use SWIFT gpi. Each payment gets a unique transaction reference, the UETR. Keep your transfer receipt until the money has arrived.

A missing payment has to be investigated from the sending side on the basis of the transfer details. Ask the sender for the payment receipt.

Paying into Ringkjobing Landbobank A/S in DKK

Accounts at Ringkjobing Landbobank A/S are usually held in DKK, the local currency of Denmark. Money sent in a different currency will be exchanged into DKK on its way to Ringkjobing Landbobank A/S, and whoever converts it chooses the rate. Every conversion costs something, even when no fee is shown.

Who converts the payment matters. Check what DKK the recipient gets with several providers.

Exchange rates change during the day, and some providers let you lock in a rate. On larger amounts, even small gap in the rate adds up quickly.

What the XXX in RINGDK22XXX means

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. In this case, the 8-character core is RINGDK22.

The long version has three more characters for a branch or department. When those three characters are XXX, they simply mean the head office, so RINGDK22XXX and RINGDK22 are interchangeable.

Enter the code as one block, in capitals and without separators. A wrong letter can send the money to a different institution.

Is RINGDK22 still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check that code with RINGDK22 on this page.

Mistakes in the BIC tend to be costly more than disastrous – usually the money comes back, minus fees and time lost. Remember the IBAN: a mistake there can be more difficult to undo than a wrong code.

An automatic check by your bank only confirms that the IBAN exists. If your bank offers it, a payee name check before sending gives extra certainty. When you pay someone new, many people start with a small amount first.