Rbl Bank LTD. SWIFT/BIC code

RATNINBB – the SWIFT/BIC code of Rbl Bank LTD.

Whether you are given RATNINBB or RATNINBBXXX, it is the same identifier for Rbl Bank LTD. in India. Banks worldwide use BIC codes to route payments between countries to the correct bank. In daily life you mostly come across it on international invoices, in payment forms and on the account details that Rbl Bank LTD. provides.

Below you will find the practical questions: receiving money at Rbl Bank LTD., sending money abroad and how to check the code before you hit send. The BIC names an institution, never a specific account, which is why you always need the account number too.

Getting paid from abroad into a Rbl Bank LTD. account

If you expect money from abroad, give the sender all details at once. What they need is: your name, account number or IBAN, RATNINBBXXX and in many cases your postal address.

Certain banks also ask for the address of Rbl Bank LTD.; it does no harm to include it. Check the details before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. On invoices, it is common to agree how the fees are split.

8 or 11 characters: RATNINBB versus RATNINBBXXX

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that indicate the location. Together, those parts form RATNINBB, the code most people search for.

Most payment forms accept either length. If yours asks for eleven characters, enter RATNINBBXXX; if it wants eight, use RATNINBB.

As a rule the code is typed in capitals, without spaces or dashes. Pasting the code beats retyping it: a typo can point to another bank.

Transfer times and tracking a payment to Rbl Bank LTD.

There is no single answer: many arrive the same day or the next. Transfers sent after the cut-off time or just before weekends and holidays often start the next business day. Occasionally a bank asks about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique transaction reference, the UETR. Specialist transfer services usually provide a status online showing where the money is.

A missing payment is investigated from the sending side on the basis of the transfer details. Ask the sender for the payment receipt; that often settles the question quickly.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a request claiming that a supplier has new bank details and asking you to pay there from now on. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never rely on contact details from the same email that contains the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. When money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Scams also work the other way: someone sends more than agreed and wants you to return the extra. A payment confirmation from the sender is no proof – check your own account.

Indian Rupee (INR) and conversion costs

Most accounts at Rbl Bank LTD. are typically held in INR, the national currency of India. Money sent in a different currency is converted into INR before it reaches the account, and whoever converts it chooses the rate. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects how much arrives. In many cases it is cheaper to send INR directly via a provider with a good rate rather than letting the receiving bank convert.

Rates for INR change all the time – some services let you fix a rate in advance. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Verifying the SWIFT code of Rbl Bank LTD.

The best place to find the correct BIC remains a document from the bank itself, such as a statement or the account details in online banking. Check that code with RATNINBB here; if they differ, ask before you pay.

A wrong SWIFT code may lead to delays, a payment being sent back or additional charges for investigation. Remember the IBAN: a mistake there is more difficult to undo than a wrong BIC.

Many banking apps check the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. More and more banks check the payee name against the account before you confirm. When you pay someone new, some people send a small amount first before sending the rest.

International transfers from Rbl Bank LTD.: the real cost

A bank transfer abroad can cost rather more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank usually applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate with a margin built in. Check their rate with the mid-market rate – the rate you find on financial news sites.

For a lot of currency pairs, a transfer service is less expensive than a bank – mostly thanks to the rate. Before your next transfer, take a minute comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Rbl Bank LTD. – you pay the provider from your own account.

How up to date is this code?

The details here are taken from publicly available data which we refresh regularly. Banks reorganise, close branches and retire codes – a directory can be a step behind. The figures on this page reflect our own data.

Treat the information here as a handy check. GoldexPay is not affiliated with Rbl Bank LTD.; we are a comparison site for money transfers. Should you notice something that is out of date, we welcome a message via the contact page.

Head office or branch code at Rbl Bank LTD.?

Our database contains 2 SWIFT/BIC codes for Rbl Bank LTD. in 2 cities. Next to the head office code RATNINBBXXX, you will find codes for individual branches and departments.

In most cases you do not need to pick a branch: transfers sent to RATNINBBXXX reach Rbl Bank LTD. without problems. When you receive a specific code, use it as it is instead of replacing it with the head office code.

The safest route is to copy the code directly from the account holder’s statement. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.