Royal Bank of Scotland International Limited, The SWIFT/BIC code

What RBOSGGSP means for a payment to Royal Bank of Scotland International Limited, The

The 8-character code RBOSGGSP and the 11-character code RBOSGGSPXXX refer to one and the same institution: Royal Bank of Scotland International Limited, The in St. Peter Port, Guernsey. Every bank on the SWIFT network uses these codes to route payments between countries to the correct bank. In daily life you mostly see the code on international invoices, in your banking app and in the bank details of Royal Bank of Scotland International Limited, The customers.

On this page we explain how the code is put together, when it matters and which other details you need for a transfer to or from Royal Bank of Scotland International Limited, The. The BIC identifies a bank or branch, never a single account.

Is RBOSGGSP still correct? How to check

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account details in online banking. Check that code with RBOSGGSP on this page; if they differ, ask before you pay.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges along the way. Do not forget the account number: a mistake there is more difficult to correct than a wrong code.

Most online banking apps validate the format of an IBAN – that confirms the format, not the owner. Some banks now compare the payee name against the account – do not ignore a mismatch warning. For a first payment, many people send a small amount first and wait for confirmation.

Choosing between the 4 SWIFT codes of Royal Bank of Scotland International Limited, The

Royal Bank of Scotland International Limited, The has 4 different SWIFT/BIC codes. One of them is the head office code; the rest identify branches.

Usually there is no need to pick a branch: payments addressed to RBOSGGSPXXX are routed within Royal Bank of Scotland International Limited, The without problems. Only use a branch code when your contact explicitly asks for it.

The best way is to take the code straight from the account holder’s bank details. Codes can change over time, so a code from an old document is not always valid.

A note on our data

The details here come from public sources which we refresh regularly. It is possible that information here is out of date after a merger or reorganisation. Counts and locations are from our own dataset.

Treat our directory on this page as a handy check. We are an independent comparison site and not part of Royal Bank of Scotland International Limited, The. Found outdated information? Tell us via our contact form so we can correct it.

What a transfer from Royal Bank of Scotland International Limited, The abroad really costs

An international bank payment can cost more than the fee suggests. There is the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup.

Banks do not list their exchange rate markup as a cost – you only notice it if you compare. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. Next time you send money, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Royal Bank of Scotland International Limited, The: you simply pay the service from your account.

RBOSGGSP or RBOSGGSPXXX – which one to use?

The structure of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location. Combined, these eight characters form RBOSGGSP – the version you usually see online.

XXX at the end of RBOSGGSPXXX is not a placeholder or a mistake: it stands for the main office of Royal Bank of Scotland International Limited, The. Some forms ask for 11 characters, in which case you simply add XXX behind RBOSGGSP.

Enter the code as one block, in upper case and without spaces, exactly as shown here. Copying the code beats retyping it, because one wrong letter changes the bank.

How long does an international transfer to Royal Bank of Scotland International Limited, The take?

There is no fixed delivery time: many arrive within a day. Bank holidays in the sending or receiving country can add extra days. Compliance checks by one of the banks can also add a delay, even when all details are correct.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique reference, the UETR. Money transfer services often show tracking in their app showing where the money has got.

Only the sending bank is able to start an official trace. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Receiving money from abroad at Royal Bank of Scotland International Limited, The

Someone abroad who wants to pay you will ask for a few details from you. The basics are: the account holder’s name, account number or IBAN, RBOSGGSPXXX or RBOSGGSP and often your home address.

Some sending banks also ask for the name and address of Royal Bank of Scotland International Limited, The, so keep it at hand. A mistake in your account number can be harder to fix than you might think.

Expect that the amount credited is below what the sender paid. Charges on incoming payments differ from bank to bank. Agree with the sender who pays which costs before the money is sent.

Changed bank details? Be careful

Criminals regularly send fake invoices with changed bank details. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Do not trust contact details from the same email that announces the change. Urgency or requests to keep it quiet are warning signs. If a payment was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. Do not act before the money has really arrived.

Paying into Royal Bank of Scotland International Limited, The in GBP

Accounts at Royal Bank of Scotland International Limited, The are typically held in GBP, the local currency. If you send money in a different currency it gets converted somewhere along the way – by your bank, by Royal Bank of Scotland International Limited, The or by a bank in between. Every conversion costs the amount, even when no fee is shown.

Which bank converts the payment makes a difference, because each party uses its own rate. Compare what GBP the recipient gets with different services; the difference between options can be larger than you expect.

The GBP rate fluctuates constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate make a real difference over a year.