Raiffeisenbank Straubing EG SWIFT/BIC code

Raiffeisenbank Straubing EG SWIFT code: RASTDE51

The 8-character code RASTDE51 and the 11-character code RASTDE51XXX identify the same bank: Raiffeisenbank Straubing EG in Hunderdorf, Germany. A BIC does one job: it makes sure that a cross-border transfer ends up at the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

We wrote this page to help people who sends money to an account at Raiffeisenbank Straubing EG. A SWIFT code names a bank or branch, never a specific account; the IBAN or account number does that.

Receiving money from abroad at Raiffeisenbank Straubing EG

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. The basics are: the account holder’s name, account number or IBAN, RASTDE51XXX and often your home address.

It helps to add Raiffeisenbank Straubing EG and its city as well, because some payment forms have separate fields for them. A typo in the IBAN can be harder to fix than you might think.

What lands in your account can be less than the amount sent. Charges on incoming payments vary per bank – the price list of Raiffeisenbank Straubing EG tells you what applies. Make clear with the sender who pays which costs before the money is sent.

Tracking a transfer to or from Raiffeisenbank Straubing EG

There is no single delivery time: some arrive the same day or the next. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Compliance checks by one of the banks can also add some delay.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt; it contains the details a bank needs to start a trace.

A missing payment is investigated from the sending side on the basis of the transfer details. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.

Changed bank details? Be careful

Stay wary if someone suddenly wants you to send money to another account. A real SWIFT code tells you nothing about whether the request is genuine.

Always verify a change of bank details through a phone call, using a number you already had. Urgency and secrecy are red flags – a real supplier can wait a day. If a payment was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference abroad. A payment confirmation from the sender proves nothing.

RASTDE51 or RASTDE51XXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. That gives you RASTDE51.

XXX at the end of RASTDE51XXX is not a placeholder or an error: it indicates the main office of Raiffeisenbank Straubing EG. Some banking apps ask for 11 characters, and then you can add XXX behind RASTDE51.

Type the code in one piece, in upper case and without separators. Look out for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

SEPA payments and the Raiffeisenbank Straubing EG BIC

Inside SEPA, euro transfers to an account in Germany use the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.

The BIC still matter when the currency is not euros and when the money comes from outside SEPA. Some banks and apps also show a field for the BIC; in that case, fill in RASTDE51 or RASTDE51XXX.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Which of the 3 codes of Raiffeisenbank Straubing EG do you need?

Our directory lists 3 SWIFT/BIC codes for Raiffeisenbank Straubing EG, spread over 2 locations. Next to the head office code RASTDE51XXX, you will find codes for regional offices and specialised units.

For most payments to a private or business account, the head office code RASTDE51XXX works fine. When you receive a specific code, use it as it is instead of replacing it for the head office code.

The best way is to copy the code directly from the account holder’s invoice. Branch codes can change over time, so a code from an old document is not always valid.

Paying into Raiffeisenbank Straubing EG in EUR

Accounts at Raiffeisenbank Straubing EG are usually held in EUR, the national currency. When you pay money in a different currency it gets converted at some point – by your bank, by Raiffeisenbank Straubing EG or by a bank in between. Each conversion costs something.

Where the conversion happens affects how much arrives. In many cases it is cheaper if you send EUR straight away via a transfer service with a good rate.

The EUR rate changes constantly. If you pay regularly, small differences in the rate make a real difference over a year.

About this information

The codes here are taken from public sources that we update regularly. Banks reorganise, change names and change codes. The number of codes we show reflect our own data, not official figures from Raiffeisenbank Straubing EG.

For any payment of any size, confirm the code with Raiffeisenbank Straubing EG or the recipient. GoldexPay has no connection to Raiffeisenbank Straubing EG. Found outdated information? Let us know via our contact form.

International transfers from Raiffeisenbank Straubing EG: the real cost

A bank transfer abroad can cost rather more than the listed fee. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the largest cost. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service turns out to be cheaper than a bank. Before your next transfer, take a minute comparing the total cost via GoldexPay. You can still use your account at Raiffeisenbank Straubing EG as the source of the money.

Is RASTDE51 still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check it with RASTDE51 on this page and ask if anything does not match.

A wrong SWIFT code can cause delays, a payment being sent back or additional charges along the way. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

An automatic check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. A small test payment is a sensible step for a large first payment.