Raiffeisenkasse Lana Cassa Raiffeisen Lana SWIFT/BIC code

SWIFT/BIC code of Raiffeisenkasse Lana Cassa Raiffeisen Lana

RZSBIT21 and RZSBIT21114 are the short and the long form of the same SWIFT/BIC code, and both lead to Raiffeisenkasse Lana Cassa Raiffeisen Lana in Cermes. Every bank on the SWIFT network uses these codes to direct international transfers to the correct institution. In daily life you usually see the code on international invoices, in your banking app and on the account details that Raiffeisenkasse Lana Cassa Raiffeisen Lana provides.

On this page you can read what the code is put together, when you need it and which other details you need for a transfer to or from Raiffeisenkasse Lana Cassa Raiffeisen Lana. The BIC names a bank or branch, not a single account; the IBAN or account number does that.

What a transfer from Raiffeisenkasse Lana Cassa Raiffeisen Lana abroad really costs

If you transfer money abroad via Raiffeisenkasse Lana Cassa Raiffeisen Lana, the fee you see is rarely all of the cost. You pay the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Money transfer services often use rates closer to the mid-market rate with clearer fees. Before your next transfer, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. You can still keep your account at Raiffeisenkasse Lana Cassa Raiffeisen Lana.

Why Raiffeisenkasse Lana Cassa Raiffeisen Lana has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. The result is RZSBIT21, the short form of the code.

The long version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office.

Do not add spaces, dots when you type RZSBIT21. A single letter can send a payment to another bank, so check it twice.

Changed bank details? Be careful

Stay wary when someone unexpectedly wants you to send money to another account. The fact that RZSBIT21 exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Before paying, verify changed bank details through a phone call. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Already paid? Contact the bank you paid from straight away and ask them to start a recall.

Fraud can also work the other way: someone sends more than agreed and asks you to refund the difference to a new account. Wait until the money is actually in your account.

When will the money arrive at Raiffeisenkasse Lana Cassa Raiffeisen Lana?

How fast a transfer reaches Raiffeisenkasse Lana Cassa Raiffeisen Lana is determined by a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Occasionally a bank wants to know what the payment is for before releasing it.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation until the money has arrived.

If the money does not arrive within the expected time, the person who paid needs to contact the bank that sent it, not the receiving bank. On the receiving end, you can look at your statements for a slightly lower amount because fees can reduce the amount.

Receiving money from abroad at Raiffeisenkasse Lana Cassa Raiffeisen Lana

For an international payment into your account at Raiffeisenkasse Lana Cassa Raiffeisen Lana, the sender needs more than the SWIFT code. What they need is: your name, account number or IBAN, RZSBIT21114 or RZSBIT21 and often your postal address.

You can include Raiffeisenkasse Lana Cassa Raiffeisen Lana and its city as well, because some payment forms have separate fields for them. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs.

Paying Raiffeisenkasse Lana Cassa Raiffeisen Lana in euros within SEPA

Since Italy is part of SEPA, a euro payment to Raiffeisenkasse Lana Cassa Raiffeisen Lana from within the SEPA area normally only needs an IBAN. Most banking apps do not require the BIC for these payments.

For anything other than euros and for senders outside SEPA, RZSBIT21114 remains part of the payment details. If your banking app has a field for the BIC regardless, adding RZSBIT21 does no harm.

Euro payments within SEPA usually arrive by the next business day. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

Before you send: check the Raiffeisenkasse Lana Cassa Raiffeisen Lana code

The most reliable place for the correct BIC remains a document from the bank itself. When the code you were given does not match RZSBIT21 or RZSBIT21114, stop and ask.

Mistakes in the BIC are costly rather than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: an error there can be more difficult to undo than a wrong code.

Many banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. Where available, a payee name check before sending adds an extra layer of safety. Sending a small amount first is worth it for a large first payment despite the extra fee.

Sending EUR to Raiffeisenkasse Lana Cassa Raiffeisen Lana

Italy uses the Euro, code EUR. When you pay money in a different currency gets converted at some point: by your bank, an intermediary or Raiffeisenkasse Lana Cassa Raiffeisen Lana itself. Every conversion costs the amount.

Who converts the money makes a difference: every bank has its own margin. Often you pay less to send EUR directly through a transfer service with a good rate.

Exchange rates change all the time – some services let you fix a rate in advance. For regular payments, a slightly better rate add up over time.

Head office or branch code at Raiffeisenkasse Lana Cassa Raiffeisen Lana?

Our directory lists 8 SWIFT/BIC codes for Raiffeisenkasse Lana Cassa Raiffeisen Lana, spread over 6 locations. Besides the head office code RZSBIT21114, there are codes for regional offices and specialised units.

For most payments to a private or business account, the head office code RZSBIT21114 is what you need. Just use a branch code when your contact gives you that exact code, for example on an invoice or in their bank details.

The safest approach is to take the code directly from the recipient’s bank details. Codes for branches are more likely to change than RZSBIT21114 when a bank merges or closes offices.

A note on our data

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. Still, banks merge, rename themselves or retire codes. The number of codes on this page are based on our own data, not official figures from Raiffeisenkasse Lana Cassa Raiffeisen Lana.

Treat our data as a starting point, rather than as the last word. GoldexPay has no connection to Raiffeisenkasse Lana Cassa Raiffeisen Lana, we only compare transfer services. Found an error? Tell us via our contact form so we can correct it.