Raiffeisenbank Hardt-Bruhrain EG SWIFT/BIC code

RAHDDE61 – the SWIFT/BIC code of Raiffeisenbank Hardt-Bruhrain EG

RAHDDE61 and RAHDDE61XXX are the short and the long form of the same SWIFT/BIC code, and both lead to Raiffeisenbank Hardt-Bruhrain EG in Philippsburg. Banks worldwide use these codes to direct international transfers to the correct institution. In practice you mostly see the code on international invoices, in your banking app and in the bank details of Raiffeisenbank Hardt-Bruhrain EG customers.

This page is meant to help anyone who receives money at an account at Raiffeisenbank Hardt-Bruhrain EG and wants to get the details right. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

How long does an international transfer to Raiffeisenbank Hardt-Bruhrain EG take?

How fast a payment arrives at Raiffeisenbank Hardt-Bruhrain EG depends on several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country can add extra days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

If the money is late, ask the sending bank about the status. Money transfer services often provide a status in their app so you can see how far the money is.

If the money does not arrive within the expected time, the sender should start with their own bank rather than Raiffeisenbank Hardt-Bruhrain EG. On the receiving end, you can check your statements for a partial amount, since fees may have been deducted.

8 or 11 characters: RAHDDE61 versus RAHDDE61XXX

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two give the country and characters seven and eight mark the location. Together, these eight characters form RAHDDE61.

The 11-character version has three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why RAHDDE61XXX and RAHDDE61 lead to the same place.

Leave out spaces when you type RAHDDE61 or RAHDDE61XXX. Copying the code beats retyping it, because one wrong letter changes the bank.

Getting paid from abroad into a Raiffeisenbank Hardt-Bruhrain EG account

When you expect a payment from another country, give the sender a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC RAHDDE61XXX and your address.

The sender’s bank might request the bank address of Raiffeisenbank Hardt-Bruhrain EG. A mistake in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always land in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. For business payments, you can state who bears the costs, so that nobody is left short.

Paying into Raiffeisenbank Hardt-Bruhrain EG in EUR

Most accounts at Raiffeisenbank Hardt-Bruhrain EG are typically held in EUR, the national currency. Money sent in a different currency will be converted into EUR before it reaches the account. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the money makes a difference: every bank has its own margin. Check what EUR the recipient gets via several providers.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.

Where our SWIFT data comes from

The codes here are taken from publicly available data that we update regularly. It is possible that a code here is no longer current. The figures on this page reflect our own data.

Use our data as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Raiffeisenbank Hardt-Bruhrain EG. Found an error? Let us know via our contact form so we can correct it.

Is RAHDDE61 still correct? How to check

The most reliable place for the correct BIC remains a document from the bank itself. Compare it with RAHDDE61 on this page; if they differ, ask before you pay.

With a wrong code, the transfer may get stuck, bounce back or cost extra. Do not forget the IBAN: an error there can be harder to correct than a wrong code.

Many banking apps check the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now check the payee name with the account before you confirm; take any warning seriously. Sending a small amount first is a sensible step for large sums.

Protect yourself against fake payment requests

Criminals often send fake invoices containing changed bank details sent from what looks like a familiar address. That RAHDDE61 is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Check new payment details through a different channel, such as a phone number you already know. Pressure and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is an overpayment followed by a request to send back the difference to another account. Wait until the money is actually in your account – ask Raiffeisenbank Hardt-Bruhrain EG if something looks wrong.

International transfers from Raiffeisenbank Hardt-Bruhrain EG: the real cost

What you pay for an international transfer is made up of several parts. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

That exchange rate margin tends to be the largest item because it is hidden in the rate. An easy check: set the bank’s rate against the mid-market rate and work out the difference on your amount.

Money transfer services often use rates closer to the mid-market rate with clearer fees. GoldexPay lists these services next to each other so you can see the amount the recipient gets for the same amount sent. You can always keep your account at Raiffeisenbank Hardt-Bruhrain EG, while a cheaper service handles the conversion.

Which of the 2 codes of Raiffeisenbank Hardt-Bruhrain EG do you need?

Raiffeisenbank Hardt-Bruhrain EG has 2 different SWIFT/BIC codes across 2 locations. One of them is the head office code, RAHDDE61XXX; the others belong to branches or departments, and sometimes internal departments.

Usually there is no need to look up a branch: transfers addressed to RAHDDE61XXX reach Raiffeisenbank Hardt-Bruhrain EG correctly. When you receive a specific code, use it as it is rather than replacing it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

Paying Raiffeisenbank Hardt-Bruhrain EG in euros within SEPA

Germany is a member of the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

A SWIFT code like RAHDDE61 does matter when the currency is not euros and when the money comes from outside SEPA. If a payment form asks for the BIC anyway, adding RAHDDE61 is fine.

Euro payments within SEPA normally land by the next business day. Charges on SEPA payments are generally low.