Raiffeisenbank Kaiserstuhl EG SWIFT/BIC code

RAKIDE61 – the SWIFT/BIC code of Raiffeisenbank Kaiserstuhl EG

The 8-character code RAKIDE61 and the 11-character code RAKIDE61XXX refer to the same bank: Raiffeisenbank Kaiserstuhl EG, with its head office in Jechtingen. The code has a single purpose: it makes sure that money from abroad ends up at the right bank. It comes up mainly when dealing with payments that cross a border and payments in foreign currencies.

Further down you will find the practical questions: receiving money at Raiffeisenbank Kaiserstuhl EG, sending money abroad and how to verify the code before you confirm a payment. The BIC names a bank or branch, not a single account, which is why you always need the account number too.

Incoming international payments to Raiffeisenbank Kaiserstuhl EG

For an international payment into your account at Raiffeisenbank Kaiserstuhl EG, the sender has to have more than the BIC. Give them your name as the bank knows it, the IBAN or account number, the BIC RAKIDE61XXX and your address.

Their bank may request the address of your bank. Check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. On invoices, you can state who bears the costs, so that nobody is left short.

Scams that use SWIFT codes

Be wary if someone unexpectedly asks you to send money to a different account or a bank in another country. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Do not rely on contact details in the same message that contains the change. Watch out for time pressure, odd spelling or an email address that differs by one letter. If a payment was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also work the other way. Someone sends more than agreed and wants you to refund the difference via a different route. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Paying Raiffeisenbank Kaiserstuhl EG in euros within SEPA

Since Germany is in the SEPA zone, a euro payment into Raiffeisenbank Kaiserstuhl EG from within the SEPA area usually requires just the IBAN. Most banking apps do not require the BIC for these payments or fill it in for you.

The BIC 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 RAKIDE61 does no harm.

Instant euro transfers have become widely supported within SEPA – whether Raiffeisenbank Kaiserstuhl EG offers them for your account is worth checking. Provided the payment stays in euros, the transfer tends to be inexpensive.

How long does an international transfer to Raiffeisenbank Kaiserstuhl EG take?

There is no single delivery time: many arrive the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Compliance checks by one of the banks may also add some delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

If a payment has not arrived after a few business days, the sender needs to start with their own bank, not the receiving bank. Ask the sender for the payment receipt – it helps your own bank look for the money.

RAKIDE61 or RAKIDE61XXX – which one to use?

A BIC is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and the two after that mark the location. For Raiffeisenbank Kaiserstuhl EG, that core is RAKIDE61.

XXX at the end of RAKIDE61XXX is not a placeholder or a mistake: it indicates the head office of Raiffeisenbank Kaiserstuhl EG. Some banking apps insist on 11 characters, and then you simply enter XXX after RAKIDE61.

As a rule the code is written in capitals. A wrong character may route the money to a different institution, so copy it carefully.

About this information

This directory is compiled from public sources and we update it periodically. It can happen that a code on this page is no longer current after a merger or reorganisation. The number of codes we show are based on what is in our directory and not on information from Raiffeisenbank Kaiserstuhl EG itself.

Treat the information on this page as a helpful check and rely on the recipient or Raiffeisenbank Kaiserstuhl EG for the final confirmation. GoldexPay has no connection to Raiffeisenbank Kaiserstuhl EG; we are a comparison site for money transfers. Should you notice something that is out of date, we welcome a short note via the contact page.

Paying into Raiffeisenbank Kaiserstuhl EG in EUR

The national currency in Germany is the Euro (EUR). Money sent in a different currency will be converted into EUR, and whoever converts it chooses the rate. There is rarely a separate line for the conversion; it is built into the rate.

Which bank converts the payment makes a difference: every bank has its own margin. Sending the amount already in EUR often prevents a second conversion.

Exchange rates move all the time. For recurring payments, small differences in the rate add up over time.

How to check RAKIDE61 before you pay

The best place to find the correct BIC remains paperwork issued by the bank. When the code you were given does not match RAKIDE61 or RAKIDE61XXX, stop and ask: check with the recipient or with Raiffeisenbank Kaiserstuhl EG directly.

Mistakes in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: an error there can be harder to correct than a wrong BIC.

Most online banking apps check the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient adds an extra layer of safety. A small test payment can be a sensible step for a large first payment despite the extra fee.

Which of the 2 codes of Raiffeisenbank Kaiserstuhl EG do you need?

We have 2 SWIFT/BIC codes for Raiffeisenbank Kaiserstuhl EG, spread over 2 locations. Next to the head office code RAKIDE61XXX, you will find codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code RAKIDE61XXX works fine. Only use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

The safest approach is to take the code directly from the recipient’s invoice. Codes for branches are more likely to change than RAKIDE61XXX.

Paying someone abroad from your Raiffeisenbank Kaiserstuhl EG account

If you send money abroad via Raiffeisenbank Kaiserstuhl EG, the fee you see is only part of what you pay. Besides the transfer fee, banks in between can deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the real market rate.

Many banks rarely show the margin on the rate separately. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Money transfer services often offer rates closer to the mid-market rate. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets for the same amount sent. Using a transfer service does not mean leaving Raiffeisenbank Kaiserstuhl EG.