Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico SWIFT/BIC code

SWIFT/BIC code of Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico

Whether a recipient gives you RZSBIT21 or RZSBIT21B05, it is the same identifier for Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico in Italy. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. In daily life you mostly come across the code on international invoices, in your banking app and on the account details that Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico provides.

On this page we explain how the code is put together, when you need it and which other details you need for a transfer to or from Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

A note on our data

The codes here are taken from publicly available data. Even so, banks merge, rename themselves or retire codes and our data may lag behind. The number of codes we show reflect our own data, not official figures from Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico.

Treat this page as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay is a comparison site for money transfers and not affiliated with Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico. Found an error? Let us know through the contact page.

Euro (EUR) and conversion costs

The national currency of Italy is the Euro (EUR). If you send money in a different currency has to be converted somewhere along the way. You rarely see a separate charge for that conversion.

Who does the conversion affects how much arrives, since every bank sets its own rate. Sending the amount already in EUR usually prevents a second conversion, provided the rate you get is fair.

The rate for EUR fluctuates constantly, so the amount you see is usually only valid for a short time. With bigger transfers, even seemingly small difference in the rate adds up quickly.

Why Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico has an 8- and an 11-character code

The layout of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, plus an optional branch code. That gives you RZSBIT21 for Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico.

XXX at the end of RZSBIT21B05 does not stand for a missing value or an error: it indicates the head office of Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico. Certain payment forms insist on 11 characters, in which case you can add XXX behind RZSBIT21.

Leave out spaces or dashes when you type RZSBIT21 or RZSBIT21B05. A wrong character can send a payment to another bank, so check it twice.

Transfer times and tracking a payment to Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico

There is no single delivery time for every transfer: some arrive the same day or the next, others take several business days. Payments made late in the day or just before a weekend or public holiday usually start the next business day. Compliance checks by one of the banks can also add a delay, regardless of the details.

A growing number of banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the money has arrived.

If a payment has not arrived within the expected time, the person who paid should start with their own bank rather than Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico. Ask the sender for the payment receipt including the reference.

Getting paid from abroad into a Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico account

To receive a transfer from abroad into your account at Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico, the person paying you needs more than the BIC. Share the account holder’s name, the IBAN or account number, SWIFT code RZSBIT21B05 and your address.

The sender’s bank may also ask for the address of your bank. Double-check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers differ from bank to bank – the price list of Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico tells you what applies. Agree with the sender who pays which costs.

SEPA payments and the Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico BIC

Italy is part of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN.

The BIC does matter when the currency is not euros, and for transfers from outside SEPA. A few forms also ask for the BIC; in that case, fill in RZSBIT21.

SEPA transfers usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA payments are generally low as long as everything stays in euros.

Head office or branch code at Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico?

Our directory lists 2 SWIFT/BIC codes for Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico. Next to the head office code RZSBIT21B05, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, go with RZSBIT21B05. Only use a branch code when your contact explicitly asks for it.

The best way is to copy the code directly from the recipient’s bank details. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Scams that use SWIFT codes

Be alert if a contact suddenly asks you to pay into another account. A valid SWIFT code says nothing about whether the request is genuine.

Always confirm a change of bank details through a phone call on a number you know, not one from the message. Urgency or requests to keep it quiet are red flags; a genuine business can wait for you to check. Acted too fast? Contact your bank straight away and ask them to start a recall.

Scams also work the other way. Someone sends too much and wants you to return the difference via a different route. Wait until the money is actually in your account.

International transfers from Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico: the real cost

An international bank payment costs rather more than the listed fee. There is the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

Many banks rarely show the margin on the rate separately, but you pay it all the same. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many routes, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, it is worth to compare the total cost via GoldexPay instead of going straight to your bank. You can still keep your account at Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico to fund the transfer.

Verifying the SWIFT code of Raiffeisenkasse Bruneck-Cassa Raiffeisen di Brunico

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare that code with RZSBIT21 on this page.

Mistakes in the SWIFT code tend to be costly rather than disastrous: often the payment comes back, minus fees. A mistake in the IBAN or account number can be a bigger problem; check it just as carefully.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC. Where available, a name check on the recipient adds an extra layer of safety. For a first payment, many people send a small amount first and wait for confirmation.