Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland SWIFT/BIC code

RZOODE77 – the SWIFT/BIC code of Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland

The 8-character code RZOODE77 and the full code RZOODE77XXX identify the same bank: Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland in Muenchen, Germany. Every bank on the SWIFT network uses BIC codes to route international transfers to the right bank. You will need it mainly when dealing with transfers between countries.

On this page you can read what the code means, when you need it and what else a transfer to or from Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland requires. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Is RZOODE77 still correct? How to check

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. If the code you have differs from RZOODE77 or RZOODE77XXX, stop and ask.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees. A mistake in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

Most online banking apps check the structure of an IBAN – that confirms the format, not the owner. If your bank offers it, a payee name check on the recipient gives an extra layer of safety. When you pay someone new, some people send a small amount first.

Paying into Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland in EUR

Germany pays in the Euro. Money sent in a different currency will be converted into EUR. Each conversion costs something, even when no fee is shown.

Who converts the payment matters. Sending the money already in EUR often avoids a second conversion.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate make a real difference over a year.

What to give a sender who pays you at Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland

When you are waiting for a payment from another country, send the payer a complete set of details. The basics are: the account holder’s name, IBAN or account number, RZOODE77XXX or RZOODE77 and, for some countries, your postal address.

The sender’s bank might also ask for the bank address of Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland, in which case the Muenchen head office is the usual answer. A mistake in your account number is harder to fix than it looks; copy them from your banking app rather than typing.

What lands in your account can be lower than the amount sent. Charges on incoming payments vary per bank; check the price list of Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland. Agree with the sender who covers the fees before the money is sent.

Where our SWIFT data comes from

The details here come from publicly available data. It is possible that a code on this page is out of date after a merger or reorganisation. The figures we show are based on what is in our directory.

See the information here as a handy check and rely on the recipient or Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland for the final confirmation. We are an independent comparison service for money transfers and not affiliated with Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland. Should you notice a mistake, we appreciate a short note via the contact page.

Tracking a transfer to or from Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland

There is no single delivery time for every transfer: many arrive the same day or the next while others need several business days. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR. Money transfer services often show a status online showing how far the payment has got.

If the money does not arrive within the expected time, the sender needs to start with their own bank rather than Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

International transfers from Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland: the real cost

An international bank payment can cost more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

The markup on the rate tends to be the largest item even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate and look at the difference.

Specialised transfer providers often use a rate near the mid-market rate with clearer fees. GoldexPay compares transfer providers next to each other so you can see what actually arrives before you commit. You can always use your account at Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland to fund the transfer.

What the XXX in RZOODE77XXX means

A BIC is built from fixed blocks: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. For Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland, that core is RZOODE77.

XXX at the end of RZOODE77XXX is not a placeholder or a mistake: it indicates the main office of Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland. Certain payment forms insist on 11 characters, in which case you simply add XXX after RZOODE77.

Do not add spaces or dashes when you type RZOODE77 or RZOODE77XXX. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

Protect yourself against fake payment requests

Fraudsters regularly use payment requests with new bank details. A correct SWIFT code tells you nothing about who owns the account.

Check changed bank details via a different channel, such as a phone number you already know, not by replying to the message. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. Already paid? Call your bank without delay and ask them to try to recall the payment and report the fraud.

Scams also work the other way: someone sends more than agreed and asks you to refund the extra via a different route. A screenshot of a transfer is no proof – check your own account.

Which of the 2 codes of Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland do you need?

Our database contains 2 SWIFT/BIC codes for Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland in 2 cities. Besides the head office code RZOODE77XXX, you will find codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code RZOODE77XXX is what you need. Only use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

Unsure which code applies? Ask the recipient, or look at a recent statement from Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland. Branch codes are more prone to change than RZOODE77XXX when a bank merges or closes offices.

Do you need RZOODE77 for a SEPA transfer?

Within the SEPA zone, euro transfers to Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland follow the same rules. The BIC field is often optional in that case.

For anything other than euros and from non-SEPA countries, RZOODE77XXX remains required. If a payment form asks for the BIC regardless, entering RZOODE77 does no harm.

Instant euro transfers have become widely supported across SEPA; check with Raiffeisenlandesbank Oberoesterreich Aktiengesellschaft Zweigniederlassung Sueddeutschland whether it applies to your account. Provided no currency is converted, a SEPA transfer tends to be cheap; it is the conversion that costs money.