Volksbank Regensburg EG SWIFT/BIC code

What VOREDE51 means for a payment to Volksbank Regensburg EG

The short code VOREDE51 and the full code VOREDE51XXX refer to one and the same institution: Volksbank Regensburg EG. A SWIFT code shows the sending bank exactly which bank is meant to get the money. You will need it mostly for transfers between countries and payments in foreign currencies.

We wrote this page to help people who pays into an account at Volksbank Regensburg EG. A SWIFT code names an institution, not a specific account, which is why you always need the account number too.

Euro transfers to Volksbank Regensburg EG: is a BIC needed?

Inside SEPA, euro payments 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 for those payments.

You still need VOREDE51XXX for non-euro payments or transfers from countries outside SEPA. If your banking app has a field for the BIC regardless, adding VOREDE51 is fine.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments are generally low.

VOREDE51 or VOREDE51XXX – which one to use?

The structure of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. For Volksbank Regensburg EG, that core is VOREDE51.

XXX at the end of VOREDE51XXX is not a placeholder or a mistake: it indicates the main office of Volksbank Regensburg EG. Certain payment forms insist on 11 characters, and then you can add XXX after VOREDE51.

Type the code as one block, in capitals and without separators. Pasting the code beats retyping it.

Protect yourself against fake payment requests

Be alert when a contact suddenly asks you to send money to a different account or a bank in another country. That VOREDE51 is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Check changed payment details via a separate channel like a call to a number from an earlier contract. Pressure and requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Already paid? Call the bank you paid from without delay and ask them to try to recall the payment.

Scams also target the receiver. Someone claims to have sent too much and asks you to return the extra to a new account. Do not act before the money is actually in your account and check with Volksbank Regensburg EG if anything seems off.

International transfers from Volksbank Regensburg EG: the real cost

When you send money to another country through Volksbank Regensburg EG, the visible fee is rarely all of what you pay. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate.

The markup on the rate is often the largest cost, and it is easy to miss. Compare their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares transfer providers side by side so you can see what actually arrives for the same amount sent. Choosing a specialist does not mean leaving Volksbank Regensburg EG: you simply pay the service from your account.

Volksbank Regensburg EG: head office code versus branch codes

Our database contains 3 SWIFT/BIC codes for Volksbank Regensburg EG. Next to the head office code VOREDE51XXX, you will find codes for individual branches and departments.

For most incoming transfers, the head office code VOREDE51XXX works fine. If you have been given a branch code, stick to it rather than replacing it for the head office code.

Unsure which code to use? Ask the recipient. Branch codes are more likely to change than VOREDE51XXX when a bank merges or closes offices.

Paying into Volksbank Regensburg EG in EUR

Germany uses the Euro, code EUR. If you send money in a different currency it gets converted somewhere along the way. You rarely see a separate charge for the conversion; it is built into the rate.

Which bank converts the money makes a difference: every bank has its own margin. In many cases you pay less if you send EUR directly via a transfer service that converts near the mid-market rate.

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

Is VOREDE51 still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have does not match VOREDE51 or VOREDE51XXX, do not guess.

With a wrong code, the payment might be delayed, be returned or end up costing more. An error in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

An automatic check in your banking app merely confirms that the code is valid. If your bank offers it, a payee name check before sending adds an extra layer of safety. When you pay someone new, many people start with a small amount first and wait for confirmation.

Where our SWIFT data comes from

The details on this page come from public sources that we update regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations come from our own dataset.

Use our data as a starting point, not as the final word. GoldexPay is not affiliated with Volksbank Regensburg EG. If you notice a mistake, we appreciate a short note via the contact page.

Getting paid from abroad into a Volksbank Regensburg EG account

For an international payment into your account at Volksbank Regensburg EG, the sender has to have not just the BIC. Share your name as the bank knows it, your account number or IBAN, the BIC VOREDE51XXX and your address, which some banks require.

You can add Volksbank Regensburg EG and its city as well, because some payment forms have separate fields for them. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always arrive for the full amount. Charges on incoming payments differ per bank; check the price list of Volksbank Regensburg EG. On invoices, it is common to state who bears the costs.

When will the money arrive at Volksbank Regensburg EG?

How quickly a transfer arrives at Volksbank Regensburg EG depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually provide a status online so you can see where the money has got.

If the money does not arrive after a few business days, the sender should contact the bank that sent it, not the receiving bank. On the receiving end, it helps to look at your statements for a slightly lower amount because fees can reduce the amount.