Raiffeisenbank Oberaudorf EG SWIFT/BIC code

SWIFT/BIC code of Raiffeisenbank Oberaudorf EG

Whether you are given RAOBDE81 or RAOBDE81XXX, it is the same identifier for Raiffeisenbank Oberaudorf EG in Germany. A SWIFT code shows every bank in the chain which institution is meant to get the money, much like a postcode for banks. It comes up mostly for transfers between countries.

This page is meant to help anyone who receives money at an account at Raiffeisenbank Oberaudorf EG without mistakes. The BIC identifies a bank or branch, never a single account; the IBAN or account number does that.

Paying someone abroad from your Raiffeisenbank Oberaudorf EG account

The price of an international transfer has more than one component. Besides the transfer fee, banks in between can take a cut, and if currencies are converted the bank usually applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. A simple test: put the bank’s rate next to the mid-market rate and look at the difference.

Money transfer services often use rates closer to the mid-market rate. Next time you send money, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Raiffeisenbank Oberaudorf EG to fund the transfer.

Before you send: check the Raiffeisenbank Oberaudorf EG code

Ask the recipient to copy their account details straight from a recent statement. Compare that code with RAOBDE81 on this page; if they differ, ask before you pay.

Errors in the BIC tend to be annoying rather than fatal: often the payment comes back, minus fees. A mistake in the account number is a bigger problem; check it just as carefully.

Many banking apps validate the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending adds extra certainty. A small test payment can be worth it for large sums.

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

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. Together, these eight characters form RAOBDE81.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office.

Do not add spaces when you type RAOBDE81. Pasting the code is safer than typing it by hand: a typo can point to another bank.

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

Our database contains 2 SWIFT/BIC codes for Raiffeisenbank Oberaudorf EG. Besides the head office code RAOBDE81XXX, there are codes for individual branches and departments.

Usually there is no need to look up a branch: transfers sent to RAOBDE81XXX are routed within Raiffeisenbank Oberaudorf EG correctly. A branch code only makes sense if the recipient’s bank specifically asks for it.

The best way is to copy the code directly from the account holder’s statement. Branch codes are sometimes changed or retired over time.

Watch out for payment fraud

A common scam works like this: an email arrives with a message saying that a contact now has a new bank account. A real SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never rely on a phone number in the same message that contains the change. Pressure or secrecy are warning signs – a real supplier can wait a day. When money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone sends more than agreed and asks you to refund the difference via a different route. A payment confirmation from the sender is no proof – check your own account.

Do you need RAOBDE81 for a SEPA transfer?

Inside SEPA, euro payments to Raiffeisenbank Oberaudorf EG follow the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.

Outside the euro and for senders outside SEPA, RAOBDE81XXX or RAOBDE81 is still part of the payment details. If your banking app asks for the BIC anyway, adding RAOBDE81 is fine.

Instant euro transfers are widely supported across SEPA – whether Raiffeisenbank Oberaudorf EG offers them for your account is worth checking. Fees for SEPA transfers tend to be low, as long as no currency conversion is involved.

Sending EUR to Raiffeisenbank Oberaudorf EG

Germany uses the Euro (EUR). A payment in a foreign currency will be exchanged into EUR, and whoever converts it chooses the rate. You rarely see a separate line for the conversion.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Compare what EUR the recipient gets with different services; the difference between options can be larger than you expect.

Rates for EUR change all the time, and some providers let you lock in a rate. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.

How up to date is this code?

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Institutions merge, change names and change codes. Figures such as the number of codes are from our own dataset.

For a payment of any size, always check the BIC with Raiffeisenbank Oberaudorf EG or with the recipient. We are a comparison service for money transfers and not affiliated with Raiffeisenbank Oberaudorf EG. Found an error? Tell us through the contact page and we will look into it.

What to give a sender who pays you at Raiffeisenbank Oberaudorf EG

When you are waiting for money from abroad, give the sender all details at once. That means: your full name as registered with Raiffeisenbank Oberaudorf EG, your IBAN or account number, the BIC RAOBDE81XXX (or RAOBDE81) and, often, your address.

The sender’s bank may also ask for the address of your bank, in which case the Kiefersfelden head office is the usual answer. Double-check every detail before you send them.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary per bank; check the price list of Raiffeisenbank Oberaudorf EG. Make clear with the sender who pays which costs, especially for larger amounts.

When will the money arrive at Raiffeisenbank Oberaudorf EG?

There is no single delivery time for international payments: some arrive the same day or the next, others take several business days. Transfers sent late in the day or just before weekends and holidays usually start a business day later. Extra checks on larger or unusual payments may also cause some delay.

Many banks use SWIFT gpi. Every payment gets a unique reference, the UETR that banks can use to trace it. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

A delayed transfer has to be traced by the sending bank. On the receiving end, it helps to look at your account for a partial amount.