Raiffeisenkasse Bozen - Cassa Rurale di Bolzano SWIFT/BIC code

Raiffeisenkasse Bozen - Cassa Rurale di Bolzano SWIFT code: RZSBIT21

RZSBIT21 and RZSBIT21603 are the short and the long form of the same SWIFT/BIC code, and both point to Raiffeisenkasse Bozen - Cassa Rurale di Bolzano in Bolzano. Banks worldwide use these codes to route payments between countries to the right institution. It comes up mostly for transfers between countries and payments in foreign currencies.

This page is meant to help people who receives money at an account at Raiffeisenkasse Bozen - Cassa Rurale di Bolzano without mistakes. The BIC identifies a bank or branch, never a single account, which is why you always need the account number too.

Watch out for payment fraud

A common scam works like this: an email arrives with a request saying that a supplier has a new bank account and that the next payment should go there. The fact that RZSBIT21 exists is no guarantee that the account is genuine.

Before paying, confirm changed bank details by phone. Pressure or secrecy tend to be red flags – a real supplier can wait a day. If a payment was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also work the other way. Someone claims to have sent too much and wants you to refund the extra. A payment confirmation from the sender is no proof – check your own account.

Sending EUR to Raiffeisenkasse Bozen - Cassa Rurale di Bolzano

Italy uses the Euro (EUR). A payment in a foreign currency is exchanged into EUR. Each conversion costs the amount.

Who converts the money makes a difference. Transferring the money already in EUR often avoids a second conversion at the receiving end – as long as your own rate is good.

Exchange rates change during the day – some services let you fix a rate in advance. With bigger transfers, even seemingly small difference in the rate adds up quickly.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from public sources and check them regularly. It can happen that information on this page is out of date after a merger or reorganisation. Figures such as the number of codes come from our own dataset and may differ from what Raiffeisenkasse Bozen - Cassa Rurale di Bolzano publishes.

Treat this page as a reference, rather than as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Raiffeisenkasse Bozen - Cassa Rurale di Bolzano. Found an error? Tell us through the contact page.

How to check RZSBIT21 before you pay

Have the recipient send you the bank details directly from a recent statement. When the code you were given differs from RZSBIT21 or RZSBIT21603, do not guess.

An incorrect BIC may lead to a delay, a returned payment or additional charges. Remember the IBAN: an error there can be more difficult to undo than a wrong BIC.

A format check in your banking app only tells you that the code is valid. Where available, a name check before sending gives extra certainty. For a first payment, some people start with a small test amount before sending the rest.

Do you need RZSBIT21 for a SEPA transfer?

Since Italy is part of SEPA, a euro transfer into Raiffeisenkasse Bozen - Cassa Rurale di Bolzano from another SEPA country normally requires just an IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

You still need RZSBIT21603 for non-euro payments or money from outside the SEPA area. Some banks and apps also ask for the BIC; in that case, fill in RZSBIT21 or RZSBIT21603.

SEPA transfers usually arrive by the next business day. Provided the payment stays in euros, the transfer is inexpensive; costs rise once a conversion is involved.

Which of the 5 codes of Raiffeisenkasse Bozen - Cassa Rurale di Bolzano do you need?

Raiffeisenkasse Bozen - Cassa Rurale di Bolzano uses 5 different SWIFT/BIC codes. One of them is the head office code, RZSBIT21603; the rest identify branches, and sometimes specific services.

In most cases there is no need to pick a branch: payments addressed to RZSBIT21603 reach Raiffeisenkasse Bozen - Cassa Rurale di Bolzano without problems. Just use a branch code when the account holder explicitly asks for it.

The best way is to copy the code straight from the account holder’s invoice. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

What to give a sender who pays you at Raiffeisenkasse Bozen - Cassa Rurale di Bolzano

If you expect a payment from another country, give the sender a complete set of details. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC RZSBIT21603 (or RZSBIT21) and usually your address.

Their bank might request the address of your bank. A typo in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is below what the sender paid. Fees for incoming transfers vary per bank. On invoices, it is common to state who bears the costs, so that nobody is left short.

What the XXX in RZSBIT21603 means

A SWIFT code is built from fixed blocks: the first four letters identify the bank, characters five and six show the country and characters seven and eight indicate the location. Together, these eight characters make up RZSBIT21, the code most people search for.

XXX at the end of RZSBIT21603 does not stand for a missing value or a mistake: it stands for the main office of Raiffeisenkasse Bozen - Cassa Rurale di Bolzano. Some forms ask for 11 characters, in which case you simply enter XXX after RZSBIT21.

Enter the code as one block, in capitals and without spaces, exactly as shown here. Look out for O versus 0 and I versus 1, a common source of typos.

What a transfer from Raiffeisenkasse Bozen - Cassa Rurale di Bolzano abroad really costs

The price of an international transfer has several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Many banks do not list the margin on the rate separately, but you pay it all the same. Check 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 a rate near the mid-market rate. On GoldexPay you can compare what recipients receive with different providers, so you can pick the cheapest route. Using a transfer service does not require closing your account at Raiffeisenkasse Bozen - Cassa Rurale di Bolzano.

When will the money arrive at Raiffeisenkasse Bozen - Cassa Rurale di Bolzano?

How fast a payment reaches Raiffeisenkasse Bozen - Cassa Rurale di Bolzano depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Bank holidays in either country add a day or more. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer is delayed, contact the sending bank about the status or the UETR so they can trace it along the chain. Specialist transfer services usually provide tracking in their app so you can see how far the payment has got.

If a payment has not arrived within the expected time, the person who paid should contact the bank that sent it rather than Raiffeisenkasse Bozen - Cassa Rurale di Bolzano. On the receiving end, you can look at your statements to see a partial amount.