Volksbank Pirna EG SWIFT/BIC code

What VOPRDE81 means for a payment to Volksbank Pirna EG

VOPRDE81 and VOPRDE81XXX are two ways of writing the same SWIFT/BIC code, and both point to Volksbank Pirna EG in Heidenau. The code does one job: it makes sure that money from abroad ends up at the right bank. It comes up mostly when dealing with transfers between countries or a currency.

We wrote this page to help people who sends money to an account at Volksbank Pirna EG without mistakes. The SWIFT code on its own does not identify a personal account; that is what the IBAN or account number is for.

How long does an international transfer to Volksbank Pirna EG take?

There is no fixed delivery time: many arrive the same day or the next, others take several business days. Bank holidays in either country add a day or more. Occasionally a bank asks about the purpose of a payment.

If a transfer seems late, contact your bank for the tracking status so they can trace it along the chain. Save the payment confirmation until the recipient confirms.

A missing payment is investigated by the sending bank, using the payment confirmation. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Incoming international payments to Volksbank Pirna EG

For an international payment at Volksbank Pirna EG, the sender has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC VOPRDE81XXX and your address, which some banks require.

The sender’s bank might also ask for the bank address of Volksbank Pirna EG. A mistake in your account number can be harder to fix than it looks; copy them from your banking app rather than typing.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers differ per bank; check the price list of Volksbank Pirna EG. For business payments, you can state how the fees are split, so that nobody is left short.

A note on our data

Our SWIFT/BIC directory is compiled from publicly available sources and is updated regularly. Institutions reorganise, close branches and change codes. The figures we show are based on what is in our directory and not on information from Volksbank Pirna EG itself.

Before a payment of any size, always check the code with Volksbank Pirna EG or with the recipient. GoldexPay is independent of Volksbank Pirna EG. Spotted an error? Tell us through the contact page.

Why Volksbank Pirna EG has an 8- and an 11-character code

A BIC is made up of fixed blocks: characters one to four identify the bank, the next two show the country and characters seven and eight mark the location. For Volksbank Pirna EG, that core is VOPRDE81.

Many payment forms work with either length. If a form requires eleven characters, use VOPRDE81XXX, otherwise VOPRDE81 is fine.

Leave out spaces when you type VOPRDE81 or VOPRDE81XXX. Copying the code beats retyping it.

Paying someone abroad from your Volksbank Pirna EG account

An international bank payment can cost more than the fee suggests. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

Many banks do not list the margin on the rate separately. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services frequently use rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. You can still use your account at Volksbank Pirna EG.

Do you need VOPRDE81 for a SEPA transfer?

Because Germany is in the SEPA zone, a euro transfer to Volksbank Pirna EG from within the SEPA area normally requires just the IBAN. Most banking apps do not require the BIC for these payments.

You still need VOPRDE81XXX when sending non-euro payments or transfers from countries outside SEPA. If your banking app asks for the BIC regardless, adding VOPRDE81 does no harm.

SEPA transfers usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA payments tend to be low, as long as no currency conversion is involved.

Scams that use SWIFT codes

Criminals often send fake invoices with new bank details, sometimes in an email that looks completely genuine. The fact that VOPRDE81 exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Always confirm a change of bank details through a phone call, using a number you already had. Urgency or secrecy tend to be red flags; a genuine business can wait for you to check. Already paid? Contact the bank you paid from without delay and have them start a recall and report the fraud.

Recipients are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference abroad. A payment confirmation from the sender proves nothing.

Paying into Volksbank Pirna EG in EUR

Germany uses the Euro, with the currency code EUR. Money sent in a different currency is exchanged into EUR on its way to Volksbank Pirna EG, and whoever converts it chooses the rate. Each conversion eats into the amount, even when no fee is shown.

Which bank converts the money makes a difference. Transferring the amount directly in EUR often prevents an extra conversion at the receiving end, provided the rate you get is fair.

The EUR rate fluctuates throughout the day. With bigger transfers, even small difference in the rate can be worth more than the fee.

Verifying the SWIFT code of Volksbank Pirna EG

Have the recipient copy the account details straight from their online banking. Compare it with VOPRDE81 here.

Errors in the BIC are annoying more than disastrous – usually the money comes back, minus fees and time lost. An error in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

A format check by your bank only tells you that the code exists, not that it is the right account. Some banks now check the name against the account. A small test payment can be a sensible step for large sums.

Volksbank Pirna EG: head office code versus branch codes

We have 2 SWIFT/BIC codes for Volksbank Pirna EG. Next to the head office code VOPRDE81XXX, there are codes for regional offices and specialised units.

Usually there is no need to pick a branch: transfers addressed to VOPRDE81XXX reach Volksbank Pirna EG without problems. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

The safest route is to take the code straight from the account holder’s statement. Branch codes can change over time, so a code from an old document is not always valid.