Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo SWIFT/BIC code

SWIFT/BIC code of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo

Whether a recipient gives you RZSBIT21 or RZSBIT21018, you are looking at the identical identifier for Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo in Italy. A SWIFT code tells the banks handling a payment which institution should receive the money, much like a postcode for banks. In daily life you mostly come across the code on invoices from abroad, in your banking app and on the account details of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo customers.

Further down you will find the practical side: receiving money at Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo, sending money abroad and how to check a SWIFT code before you confirm a payment. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Which of the 2 codes of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo do you need?

We have 2 SWIFT/BIC codes for Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo. Besides the head office code RZSBIT21018, you will find codes for branches, departments or specific services.

In most cases there is no need to look up a branch: payments addressed to RZSBIT21018 reach Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo without problems. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

The best way is to copy the code straight from the account holder’s invoice. Codes can change when banks reorganise.

What a transfer from Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo abroad really costs

What you pay for an international transfer is made up of more than one component. There is the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate.

Many banks rarely list their exchange rate markup as a cost, but you pay it all the same. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a bank, mainly because of the exchange rate. On GoldexPay we compare the amount that arrives with different providers, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo – you pay the provider from your own account.

Do you need RZSBIT21 for a SEPA transfer?

Since Italy is part of the SEPA zone, a euro payment to Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo from within the SEPA area usually only needs the IBAN. Most banking apps do not require the BIC for these payments or fill it in for you.

For anything other than euros and for senders outside SEPA, RZSBIT21018 or RZSBIT21 remains part of the payment details. If a payment form has a field for the BIC regardless, adding RZSBIT21 does no harm.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low, as long as no currency conversion is involved.

Incoming international payments to Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo

If you are waiting for money from abroad, send the payer everything they need in one go. Give them the account holder’s name, your account number or IBAN, the BIC RZSBIT21018 and your address, which some banks require.

Their bank may request the bank address of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo; the head office in Marlengo is usually fine. A mistake in your account number can be harder to fix than it looks, so copy the details from your online banking.

An incoming payment will not always land in full. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. For business payments, it is common to agree who bears the costs, so that nobody is left short.

Protect yourself against fake payment requests

A common scam goes like this: you receive a request claiming that a company has new bank details and that the next payment should go there. The fact that RZSBIT21 exists does not mean that the account is legitimate.

Before paying, verify a change of bank details by phone. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from straight away and ask them to start a recall and report the fraud.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer is no proof; only your own account shows what has arrived.

About this information

The details on this page are taken from public sources. Institutions merge, change names and retire codes – a directory can be a step behind. Figures such as the number of codes come from our directory.

See the information here as a helpful check, and let the details from the recipient or Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo have the final say. GoldexPay has no connection to Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo, we only compare transfer services. Should you notice something that is out of date, we appreciate a short note.

Verifying the SWIFT code of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo

The most reliable place for the right code is a document from the bank itself like a bank statement or the account page in online banking. Compare that code against RZSBIT21 here and ask if anything does not match.

If the code is wrong, the transfer may be delayed, bounce back or cost extra. An error in the account number is more serious, because the money may be credited to someone else.

Many banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks check the name with the account before you confirm – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums.

RZSBIT21 or RZSBIT21018 – which one to use?

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. That gives you RZSBIT21 for Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo.

XXX at the end of RZSBIT21018 is not a missing value or an error: it indicates the main office of Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo. Some banking apps insist on 11 characters, and then you simply add XXX after RZSBIT21.

In practice the code is typed in capitals, without spaces or dashes. Watch for O versus 0 or the letter I and the digit 1; they are easy to mix up.

The Euro and what conversion costs you

Accounts at Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo are typically held in EUR, the local currency of Italy. Money sent in a different currency is converted into EUR on its way to Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo, and whoever converts it chooses the rate. There is rarely a separate line for the conversion.

Who does the conversion affects the final amount, since every bank sets its own rate. Sending the money already in EUR usually prevents an extra conversion, provided the rate you get is fair.

The EUR rate changes throughout the day, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate add up over time.

Transfer times and tracking a payment to Raiffeisenkasse Marling Cassa Raiffeisen di Marlengo

An international transfer typically takes anywhere from one to several business days. Bank holidays in either country add extra days, since banks do not process on those days. Sometimes a bank wants to know what the payment is for, which can hold things up.

If the money seems late, ask the sending bank for the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services often show tracking online showing where the money has got.

A delayed transfer is investigated from the sending side on the basis of the transfer details. As a recipient, it helps to check your account to see a partial amount, since fees may have been deducted.