Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria SWIFT/BIC code

SWIFT/BIC code of Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria

Whether you are given RZSBIT21 or RZSBIT21009, you are looking at the identical identifier for Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria in Italy. The code has a single purpose: it ensures that money from abroad reaches the right bank. In daily life you usually come across the code on international invoices, in your banking app and in the bank details that Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria provides.

This page is meant to help people who receives money at an account at Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria. The SWIFT code on its own cannot identify an individual account holder; for that you need the IBAN or account number is for.

Changed bank details? Be careful

Stay alert if a contact unexpectedly wants you to pay into a different account or a bank in another country. The fact that RZSBIT21 exists is no guarantee that a request mentioning it is genuine.

Never trust a phone number from the same email that contains the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to start a recall; also report it to the police.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference to another account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Is RZSBIT21 still correct? How to check

The most reliable place for the right code is a document from the bank itself. Check it with RZSBIT21 here.

With a wrong code, the transfer might be delayed, be returned or cost extra. An error in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically. If your bank offers it, a payee name check before sending gives extra certainty. When you pay someone new, many people send a small amount first.

What to give a sender who pays you at Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria

For a transfer from abroad into your account at Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria, the person paying you needs more than the BIC. That means: your name as registered with Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria, your account number or IBAN, the BIC RZSBIT21009 (or RZSBIT21) and usually your address.

You can include the bank name and San Candido as well. A mistake in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Charges on incoming payments vary from bank to bank – the price list of Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria tells you what applies. Make clear with the sender who covers the fees.

Paying someone abroad from your Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria account

If you transfer money to another country from Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria, the visible fee is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. Check their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares what recipients receive across providers, which makes the cheapest option easy to spot. Choosing a specialist does not mean closing your account at Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria.

SEPA payments and the Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria BIC

Because Italy is part of the SEPA zone, a euro payment to Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria from within the SEPA area normally requires just the IBAN. Many banks no longer ask for the BIC for these payments.

A SWIFT code like RZSBIT21 does come into play for payments in other currencies and when the money comes from outside SEPA. If your banking app has a field for the BIC regardless, entering RZSBIT21 does no harm.

Instant payments in euros are widely available within SEPA. As long as the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

The Euro and what conversion costs you

The currency in Italy is the Euro (EUR). When you pay another currency it gets converted at some point – by your bank, by Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria or by a bank in between. Each conversion costs the amount, even when no fee is shown.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Transferring the amount directly in EUR usually prevents an extra conversion at the receiving end – as long as your own rate is good.

The EUR rate changes constantly. With bigger transfers, even small difference in the rate adds up quickly.

Which of the 4 codes of Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria do you need?

With 4 codes in 4 cities, Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria belongs to the banks that register separate codes for branches. The main code remains RZSBIT21009.

For the vast majority of incoming transfers, the head office code RZSBIT21009 is what you need. If you have been given a specific code, use it as it is instead of swapping it with the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

What the XXX in RZSBIT21009 means

A BIC is made up of fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that mark the location. In this case, that core is RZSBIT21.

XXX at the end of RZSBIT21009 does not stand for a placeholder or an error: it stands for the head office of Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria. Certain payment forms insist on 11 characters, and then you can add XXX behind RZSBIT21.

Leave out spaces or dashes when you enter RZSBIT21; the code is always written in one block. Look out for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

How long does an international transfer to Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria take?

How fast a payment reaches Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria depends on several factors: the currency, the number of banks in between, cut-off times and time zones. Bank holidays in either country can add a day or more to the journey. Compliance checks on larger or unusual payments can also cause some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique reference, the UETR. Specialist transfer services often provide a status online showing how far the money has got.

A delayed transfer has to be traced by the sending bank. As a recipient, you can check your account to see a slightly lower amount.

How up to date is this code?

We collect SWIFT/BIC codes from public sources and check them from time to time. It is possible that information here is no longer current. The figures on this page reflect our own data and not on information from Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria itself.

For a payment that matters, confirm the BIC with the recipient’s bank or the recipient. We are an independent comparison site for money transfers and not affiliated with Raiffeisenkasse Hochpustertal Cassa Raiffeisen Alta Pusteria. If you notice a mistake, we appreciate a message.