Raiffeisenbank Hersbruck EG SWIFT/BIC code

What RAHUDE81 means for a payment to Raiffeisenbank Hersbruck EG

The short code RAHUDE81 and the 11-character code RAHUDE81XXX identify one and the same institution: Raiffeisenbank Hersbruck EG. Banks worldwide use BIC codes to direct international transfers to the right bank. In practice you usually see the code on invoices from abroad, in your banking app and on the account details of Raiffeisenbank Hersbruck EG customers.

This page is meant to help people who pays into an account at Raiffeisenbank Hersbruck EG without mistakes. Keep in mind that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

When will the money arrive at Raiffeisenbank Hersbruck EG?

There is no single delivery time for international payments: many arrive within a day. Transfers sent late in the day or on weekends and holidays often start the next business day. Occasionally a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the status. Save the payment confirmation – you will need it for any trace request.

If a payment has not arrived after a few business days, the person who paid needs to start with their own bank rather than Raiffeisenbank Hersbruck EG. As a recipient, you can look at your statements for a slightly lower amount.

A note on our data

We collect bank codes from publicly available data and check them regularly. Banks reorganise, change names and retire codes, and a directory never catches every change immediately. The number of codes on this page are based on what is in our directory.

See our directory on this page as a helpful check, and let the details from the recipient or Raiffeisenbank Hersbruck EG have the final say. We are a comparison site for money transfers and not affiliated with Raiffeisenbank Hersbruck EG. Spotted an error? Tell us through the contact page and we will look into it.

Why Raiffeisenbank Hersbruck EG has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, the next two give the country and characters seven and eight indicate the location. Together, those parts form RAHUDE81 – the version you usually see online.

The long version has three more characters for a branch or department. If the last three are XXX, the code points to the head office.

Leave out spaces when you type RAHUDE81. Look out for the letter O and the digit 0 and I versus 1.

Euro (EUR) and conversion costs

The currency of Germany is the Euro (EUR). Money sent in a different currency is converted into EUR before it reaches the account, and whoever converts it chooses the rate. You rarely see a separate line for the conversion – the cost sits in the rate.

Which bank converts the payment matters, because each party uses its own rate. Check what EUR the recipient gets via several services; the difference between options can be larger than you expect.

The rate for EUR changes constantly and quotes are often valid only for a short time. For recurring payments, small differences in the rate add up over time.

International transfers from Raiffeisenbank Hersbruck EG: the real cost

An international bank payment costs rather more than the fee suggests. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate is often the biggest item, and it is easy to miss. Compare the rate you are offered with the mid-market rate.

For a lot of routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, take a minute to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Raiffeisenbank Hersbruck EG; only the conversion and sending happen elsewhere.

Raiffeisenbank Hersbruck EG: head office code versus branch codes

Raiffeisenbank Hersbruck EG uses 3 separate SWIFT/BIC codes across 3 locations. Only one is the head office code, RAHUDE81XXX; the rest belong to branches or departments.

Unless the recipient tells you otherwise, go with RAHUDE81XXX. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

SEPA payments and the Raiffeisenbank Hersbruck EG BIC

Within the SEPA zone, euro payments to Raiffeisenbank Hersbruck EG follow the same rules and in most cases need only the IBAN. The BIC field is often optional for those payments.

Outside the euro and for senders outside SEPA, RAHUDE81XXX or RAHUDE81 is still part of the payment details. Some banks and apps still show a field for the BIC out of habit; if so, enter RAHUDE81 or RAHUDE81XXX.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA payments tend to be low as long as everything stays in euros.

Protect yourself against fake payment requests

Criminals often send payment requests containing new bank details. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money has really arrived – ask Raiffeisenbank Hersbruck EG if something looks wrong.

Incoming international payments to Raiffeisenbank Hersbruck EG

For an international payment at Raiffeisenbank Hersbruck EG, the sender needs more than the SWIFT code. The basics are: the account holder’s name, account number or IBAN, RAHUDE81XXX and, for some countries, your postal address.

Their bank may request the address of your bank, in which case the Henfenfeld head office is the usual answer. Check each detail before you send them.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, Raiffeisenbank Hersbruck EG may charge for incoming payments, and if the money is converted, an exchange rate margin applies. On invoices, you can state who bears the costs, so that nobody is left short.

How to check RAHUDE81 before you pay

Ask the recipient to send you their account details directly from their online banking. When the code you were given does not match RAHUDE81 or RAHUDE81XXX, do not guess – contact the recipient or Raiffeisenbank Hersbruck EG.

An incorrect BIC may lead to delays, a payment being sent back or extra fees. Do not forget the IBAN: an error there is harder to correct than a wrong code.

Many banking apps validate the structure of IBANs and some suggest the matching BIC. More and more banks check the name against the account. For a first payment, some people send a small test amount.