Bankhaus Rautenschlein GMBH SWIFT/BIC code

Bankhaus Rautenschlein GMBH SWIFT code: RAUTDE81

The 8-character code RAUTDE81 and the full code RAUTDE81XXX refer to the same bank: Bankhaus Rautenschlein GMBH in Schoeningen, Germany. Every bank on the SWIFT network uses BIC codes to direct international transfers to the right bank. In daily life you usually come across the code on invoices from abroad, in your banking app and on the account details of Bankhaus Rautenschlein GMBH customers.

On this page you can read what the code is put together, when you need it and what else you need for a transfer to or from Bankhaus Rautenschlein GMBH. Remember that the SWIFT code just identifies the bank, not the account: the account number or IBAN takes care of that.

Changed bank details? Be careful

A common scam works like this: you receive a request saying that a supplier now has new bank details and asking you to pay there from now on. The fact that RAUTDE81 exists does not mean that the account is genuine; criminals use the codes of real banks too.

Never trust a phone number in the same message that contains the change. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Call your bank straight away and have them start a recall; also report it to the police.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer proves nothing.

Where our SWIFT data comes from

We collect bank codes from public sources and update our list from time to time. It is possible that a code here is out of date after a merger or reorganisation. The number of codes we show are based on what is in our directory and not on information from Bankhaus Rautenschlein GMBH itself.

See our directory on this page as a handy check, and let the details from the recipient or Bankhaus Rautenschlein GMBH have the final say. GoldexPay is not affiliated with Bankhaus Rautenschlein GMBH; we are a comparison site for money transfers. Should you notice a mistake, we welcome a message.

What a transfer from Bankhaus Rautenschlein GMBH abroad really costs

When you transfer money abroad from Bankhaus Rautenschlein GMBH, the visible fee is rarely all of what you pay. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency, the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate that includes a margin. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay lists these services next to each other, showing what actually arrives. Using a transfer service does not require leaving Bankhaus Rautenschlein GMBH: you simply pay the service from your account.

Tracking a transfer to or from Bankhaus Rautenschlein GMBH

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or just before weekends and holidays often start the next business day. Compliance checks on larger or unusual payments can also add a delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the tracking status or the UETR. Money transfer services often show a status online so you can see where the payment is.

A missing payment has to be investigated from the sending side, using the payment confirmation. Ask the sender for the payment receipt – it helps your own bank look for the money.

Euro transfers to Bankhaus Rautenschlein GMBH: is a BIC needed?

Because Germany is in the SEPA zone, a euro payment to Bankhaus Rautenschlein GMBH from within the SEPA area usually requires just an IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

You still need RAUTDE81XXX when sending payments in other currencies or transfers from countries outside SEPA. Some banks and apps also ask for the BIC out of habit; if so, fill in RAUTDE81 or RAUTDE81XXX.

Instant euro transfers have become increasingly available within SEPA – whether Bankhaus Rautenschlein GMBH offers them for your account is worth checking. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

Before you send: check the Bankhaus Rautenschlein GMBH code

The most reliable source for the BIC is the bank details provided by the recipient. If the code you have does not match RAUTDE81 or RAUTDE81XXX, do not guess – contact the recipient or Bankhaus Rautenschlein GMBH.

An incorrect BIC can cause a delay, a returned payment or additional charges along the way. Do not forget the IBAN: an error there can be more difficult to undo than a wrong code.

A format check in your banking app only tells you that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check on the recipient gives extra certainty. A small test payment can be worth it for large sums.

Why Bankhaus Rautenschlein GMBH has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. In this case, that core is RAUTDE81.

Most banks and apps accept both lengths. If yours requires eleven characters, use RAUTDE81XXX; if it wants eight, use RAUTDE81.

In practice the code is typed in capitals, without spaces or dashes. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

Head office or branch code at Bankhaus Rautenschlein GMBH?

We have 2 SWIFT/BIC codes for Bankhaus Rautenschlein GMBH. Besides the head office code RAUTDE81XXX, you will find codes for individual branches and departments.

For most incoming transfers, the head office code RAUTDE81XXX works fine. A branch code only makes sense when the account holder specifically asks for it.

Not sure which code applies? Check with the recipient, or look at a recent statement from Bankhaus Rautenschlein GMBH. Codes for branches are more likely to change than RAUTDE81XXX.

Receiving money from abroad at Bankhaus Rautenschlein GMBH

When you expect a payment from another country, give the sender a complete set of details. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code RAUTDE81XXX (or RAUTDE81) and usually your address.

It helps to include Bankhaus Rautenschlein GMBH and Schoeningen too, because some payment forms have separate fields for them. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. For business payments, it is common to state who bears the costs.

The Euro and what conversion costs you

The local currency in Germany is the Euro (EUR). If you send money in a different currency, the amount has to be converted at some point. There is rarely a separate charge for that conversion; it is built into the rate.

Where the conversion happens affects the final amount, as rates and margins differ per bank. In many cases it is cheaper if you send EUR directly via a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates move during the day – some services let you fix a rate in advance. If you pay regularly, small differences in the rate make a real difference over a year.