Raiffeisenkasse Laas Cassa Raiffeisen di Lasa SWIFT/BIC code

RZSBIT21 – the SWIFT/BIC code of Raiffeisenkasse Laas Cassa Raiffeisen di Lasa

The short code RZSBIT21 and the full code RZSBIT21012 identify the same bank: Raiffeisenkasse Laas Cassa Raiffeisen di Lasa, with its head office in Lasa. Banks worldwide use BIC codes to route payments between countries to the correct institution. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details that Raiffeisenkasse Laas Cassa Raiffeisen di Lasa provides.

On this page you will find how the code means, when it matters and what else you need for a transfer to or from Raiffeisenkasse Laas Cassa Raiffeisen di Lasa. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

About this information

The details here come from publicly available data that we update regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. The figures on this page reflect what is in our directory, not official figures from Raiffeisenkasse Laas Cassa Raiffeisen di Lasa.

Use this page as a reference, rather than as the last word. We are an independent comparison service and not affiliated with Raiffeisenkasse Laas Cassa Raiffeisen di Lasa. If you notice something that is out of date, we appreciate a message via the contact page.

International transfers from Raiffeisenkasse Laas Cassa Raiffeisen di Lasa: the real cost

When you transfer money to another country from Raiffeisenkasse Laas Cassa Raiffeisen di Lasa, the fee you see is only part of what you pay. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The markup on the rate is often the largest cost. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Raiffeisenkasse Laas Cassa Raiffeisen di Lasa: you simply pay the service from your account.

Do you need RZSBIT21 for a SEPA transfer?

Italy is part of the Single Euro Payments Area (SEPA). For a regular euro transfer within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

For anything other than euros and for senders outside SEPA, RZSBIT21012 or RZSBIT21 is still part of the payment details. Some banks and apps still ask for the BIC; if so, fill in RZSBIT21 or RZSBIT21012.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. As long as no currency is converted, the transfer is inexpensive; it is the conversion that costs money.

Transfer times and tracking a payment to Raiffeisenkasse Laas Cassa Raiffeisen di Lasa

There is no single delivery time for every transfer: many land the same day or the next. Payments made late in the day or on weekends and holidays often start a business day later. Sometimes a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank for the tracking status; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms.

Only the sending bank is able to start an official trace. As a recipient, you can look at your account to see a partial amount, since fees may have been deducted.

What the XXX in RZSBIT21012 means

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, the next two give the country and characters seven and eight mark the location. Combined, these eight characters form RZSBIT21, the code most people search for.

Most banks and apps accept both lengths. If yours asks for eleven characters, use RZSBIT21012, otherwise RZSBIT21 is fine.

Leave out spaces, dots when you enter RZSBIT21. Watch for the letter O and the digit 0 or I versus 1.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a request saying that a company has a new bank account and that the next payment should go there. The fact that RZSBIT21 exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Check new bank details through a different channel, such as a phone number you already know. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment.

Scams also work the other way. Someone sends too much and asks you to refund the difference to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

The Euro and what conversion costs you

The currency of Italy is the Euro (EUR). A payment in a foreign currency is exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate line for the conversion – the cost sits in the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. Compare what EUR the recipient gets with different services before choosing one.

The rate for EUR fluctuates constantly. For recurring payments, small differences in the rate add up over time.

Is RZSBIT21 still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare that code with RZSBIT21 here and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or extra fees. Remember the account number: a mistake there is more difficult to undo than a wrong BIC.

Many banking apps check the structure of an IBAN and some suggest the matching BIC. If your bank offers it, a name check on the recipient adds an extra layer of safety. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

Head office or branch code at Raiffeisenkasse Laas Cassa Raiffeisen di Lasa?

Raiffeisenkasse Laas Cassa Raiffeisen di Lasa uses 2 different SWIFT/BIC codes across 2 cities. One of them is the head office code; the others identify branches, and sometimes specific services.

For most payments to a private or business account, the head office code RZSBIT21012 works fine. If you have been given a specific code, stick to it rather than replacing it with the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Codes for branches are more prone to change than RZSBIT21012.

Incoming international payments to Raiffeisenkasse Laas Cassa Raiffeisen di Lasa

If you expect a payment from another country, send the payer a complete set of details. What they need is: your name, IBAN or account number, RZSBIT21012 and in many cases your home address.

Some banks also ask for the name and address of Raiffeisenkasse Laas Cassa Raiffeisen di Lasa, so keep it at hand. Double-check each detail before you send them.

Money from abroad will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs before the money is sent.