Raiffeisenbank Regenstauf EG SWIFT/BIC code

SWIFT/BIC code of Raiffeisenbank Regenstauf EG

Whether a recipient gives you GENODEF1 or GENODEF1REY, it is the same identifier for Raiffeisenbank Regenstauf EG in Germany. Every bank on the SWIFT network uses these codes to route international transfers to the right bank. In practice you usually come across the code on international invoices, in your banking app and on the account details that Raiffeisenbank Regenstauf EG provides.

This page is meant to help anyone who sends money to an account at Raiffeisenbank Regenstauf EG. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN .

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

When you expect a payment from another country, give the sender everything they need in one go. What they need is: the account holder’s name, IBAN or account number, GENODEF1REY and, for some countries, your home address.

It helps to add the bank name and Lappersdorf as well. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. Make clear with the sender who pays which costs.

Before you send: check the Raiffeisenbank Regenstauf EG code

The best place to find the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. Check it with GENODEF1 here.

If the code is wrong, the payment might get stuck, bounce back or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person.

A format check by your bank merely tells you that the IBAN is valid. Some banks now check the payee name with the account. Sending a small amount first is a sensible step for a large first payment.

8 or 11 characters: GENODEF1 versus GENODEF1REY

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code. In this case, that core is GENODEF1.

Many payment forms work with both lengths. If yours requires eleven characters, use GENODEF1REY, otherwise GENODEF1 is fine.

Type the code as one block, in capitals and without separators, exactly as shown here. Pasting the code is safer than retyping it.

Paying into Raiffeisenbank Regenstauf EG in EUR

Germany uses the Euro (EUR). If you send another currency, the amount gets converted somewhere along the way – by your bank, by Raiffeisenbank Regenstauf EG or by a bank in between. You rarely see a separate line for that conversion – the cost sits in the rate.

Who converts the money makes a difference. Sending the amount already in EUR usually prevents an extra conversion at the receiving end.

Exchange rates change during the day – some services let you fix a rate in advance. For regular payments, small differences in the rate make a real difference over a year.

About this information

We collect bank codes using public sources and check our list from time to time. It is possible that a code here is out of date after a merger or reorganisation. Counts and locations come from our own dataset.

Before a payment of any size, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is a comparison service and not part of Raiffeisenbank Regenstauf EG. Found outdated information? Let us know via our contact form.

Protect yourself against fake payment requests

Scammers regularly use payment requests containing new bank details, sometimes in an email that looks completely genuine. The fact that GENODEF1 exists is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Always confirm a change of bank details through a phone call. Urgency and requests to keep it quiet are red flags – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and have them try to recall the payment.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference to another account. Do not act before the money has really arrived – ask Raiffeisenbank Regenstauf EG if something looks wrong.

Tracking a transfer to or from Raiffeisenbank Regenstauf EG

There is no fixed delivery time: many land the same day or the next while others need several business days. Payments made late in the day or just before weekends and holidays often start the next business day. Extra checks by one of the banks may also cause some delay, even when all details are correct.

If the money seems delayed, contact the sending bank for the tracking status and the transaction reference so they can trace it along the chain. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

A delayed transfer is investigated from the sending side, using the payment confirmation. As a recipient, you can check your statements for a partial amount.

Sending money abroad from Raiffeisenbank Regenstauf EG

What you pay for a payment abroad has several parts, and the transfer fee is only the most visible one. On top of the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted the bank often applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the biggest item even though it is not listed as a fee. A simple test: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For many routes, a specialist provider is cheaper than a traditional bank transfer. Next time you send money, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require closing your account at Raiffeisenbank Regenstauf EG – you pay the provider from your own account.

Do you need GENODEF1 for a SEPA transfer?

Within the SEPA zone, euro transfers to an account in Germany follow the same rules, so the IBAN does the job in most cases. A field for the BIC is often optional in that case.

You still need GENODEF1REY when sending payments in other currencies or transfers from countries outside SEPA. If a payment form has a field for the BIC anyway, adding GENODEF1 does no harm.

SEPA transfers normally land by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

Choosing between the 2 SWIFT codes of Raiffeisenbank Regenstauf EG

With 2 codes, Raiffeisenbank Regenstauf EG belongs to the banks that register individual codes for branches. The main code remains GENODEF1REY.

For the vast majority of payments to a private or business account, the head office code GENODEF1REY is the right choice. A branch code only makes sense when the recipient’s bank specifically mentions it, which is more common for business accounts and trade services.

Not sure which code to use? Check with the recipient, or look at a recent statement from Raiffeisenbank Regenstauf EG. Codes are sometimes changed or retired over time, so do not rely on old paperwork.