Reisebank Aktiengesellschaft SWIFT/BIC code

RBAGDEF1 – the SWIFT/BIC code of Reisebank Aktiengesellschaft

The 8-character code RBAGDEF1 and the 11-character code RBAGDEF1XXX refer to the same bank: Reisebank Aktiengesellschaft. Banks worldwide use these codes to direct payments between countries to the right bank. In daily life you usually see the code on invoices from abroad, in your banking app and in the bank details of Reisebank Aktiengesellschaft customers.

On this page you can read what the code is put together, when it matters and which other details a transfer to or from Reisebank Aktiengesellschaft requires. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

Verifying the SWIFT code of Reisebank Aktiengesellschaft

The most reliable place for the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. When the code you were given differs from RBAGDEF1 or RBAGDEF1XXX, do not guess.

If the code is wrong, the payment may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Remember the IBAN: a mistake there is harder to correct than a wrong BIC.

An automatic check in your banking app merely tells you that the IBAN is valid. Where available, a payee name check on the recipient adds an extra layer of safety. Sending a small amount first is worth it for a large first payment.

International transfers from Reisebank Aktiengesellschaft: the real cost

What you pay for an international transfer is made up of several parts – not just the fee on your screen. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency, the bank usually applies a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Compare their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Reisebank Aktiengesellschaft as the source of the money.

SEPA payments and the Reisebank Aktiengesellschaft BIC

Inside SEPA, euro payments to Reisebank Aktiengesellschaft use the same rules. The BIC field is often optional in that case.

For anything other than euros and from non-SEPA countries, RBAGDEF1XXX or RBAGDEF1 is still part of the payment details. If your banking app has a field for the BIC regardless, entering RBAGDEF1 is fine.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments are generally low.

Head office or branch code at Reisebank Aktiengesellschaft?

Having 2 codes in 1 locations, Reisebank Aktiengesellschaft is one of the banks that register separate codes for parts of the organisation. The main code is RBAGDEF1XXX.

For most payments to a private or business account, the head office code RBAGDEF1XXX works fine. Only use a branch code when the recipient explicitly asks for it.

The safest approach is to copy the code straight from the recipient’s bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

Receiving money from abroad at Reisebank Aktiengesellschaft

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. That means: your full name as registered with Reisebank Aktiengesellschaft, your account number or IBAN, the SWIFT/BIC code RBAGDEF1XXX and usually your postal address.

Their bank might also ask for the address of your bank. Check each detail before you share them.

The amount you receive can be lower than what was sent. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

When will the money arrive at Reisebank Aktiengesellschaft?

A SWIFT payment typically takes one to a few business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country add extra days. Extra checks by one of the banks may also add a delay, even when all details are correct.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually show a status in their app showing how far the payment has got.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt.

A note on our data

Our SWIFT/BIC directory is based on public sources and is updated regularly. It can happen that information here is no longer current. The number of codes we show reflect our own data and not on information from Reisebank Aktiengesellschaft itself.

Treat the information here as a helpful check and rely on the recipient or Reisebank Aktiengesellschaft for the final confirmation. GoldexPay is a comparison site for money transfers and not affiliated with Reisebank Aktiengesellschaft. Should you notice a mistake, we appreciate a short note.

Why Reisebank Aktiengesellschaft has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: characters one to four identify the bank, the next two give the country and the two after that indicate the location. For Reisebank Aktiengesellschaft, the 8-character core is RBAGDEF1.

The full version has three more characters for a branch or department. If the last three are XXX, they simply mean the head office, which is why RBAGDEF1XXX and RBAGDEF1 lead to the same place.

Enter the code as one block, in upper case and without separators, exactly as shown here. A single letter can send a payment to a different institution.

Paying into Reisebank Aktiengesellschaft in EUR

Accounts at Reisebank Aktiengesellschaft are typically held in EUR, the national currency of Germany. Money sent in a different currency is exchanged into EUR before it reaches the account. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. In many cases you pay less if you send EUR directly via a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR move all the time. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Watch out for payment fraud

Stay alert when a contact unexpectedly asks you to send money to another account or a bank in another country. A real SWIFT code says nothing about whether the request is genuine.

Check changed bank details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Pressure and secrecy tend to be warning signs. Acted too fast? Call the bank you paid from straight away and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived and check with Reisebank Aktiengesellschaft if anything seems off.