Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta SWIFT/BIC code

RZSBIT21 – the SWIFT/BIC code of Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta

The short code RZSBIT21 and the full code RZSBIT21324 refer to the same bank: Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta in Burgusio (Malles Venosta), Italy. A SWIFT code shows every bank in the chain which institution should receive the money. In practice you usually see the code on international invoices, in your banking app and in the bank details of Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta customers.

We wrote this page to help people who receives money at an account at Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

What the XXX in RZSBIT21324 means

Each SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. Together, these eight characters form RZSBIT21.

XXX at the end of RZSBIT21324 does not stand for a placeholder or an error: it indicates the head office of Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta. Some forms insist on 11 characters, in which case you can enter XXX behind RZSBIT21.

Type the code in one piece, in capitals and without separators. Watch for O versus 0 and I versus 1, a common source of typos.

Sending money abroad from Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta

The price of an international transfer is made up of more than one component, and the transfer fee is only the most visible one. Besides the transfer fee, banks in between can take a cut, and when currencies are converted, the bank often applies a rate below the real market rate.

That exchange rate margin is often the biggest cost because it is hidden in the rate. An easy check: set the rate you get against the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute comparing the total cost on GoldexPay. Choosing a specialist does not require closing your account at Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta.

Where our SWIFT data comes from

The details on this page come from publicly available data that we update regularly. Institutions merge, change names and change codes – a directory can be a step behind. The figures on this page reflect our own data, not official figures from Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta.

For a payment that matters, always confirm the BIC with Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta or with the recipient. GoldexPay is a comparison service for money transfers and not affiliated with Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta. Found outdated information? Let us know via our contact form.

How long does an international transfer to Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta take?

There is no single answer for every transfer: many arrive within a day while others need several business days. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Compliance checks on larger or unusual payments can also cause a delay.

When a payment takes longer than expected, ask your bank about the tracking status or the UETR so they can trace it along the chain. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A delayed transfer has to be investigated by the sending bank. As a recipient, it helps to check your account for a slightly lower amount.

Incoming international payments to Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta

Someone abroad who wants to pay you will ask for several details from you. Give them the account holder’s name, your account number or IBAN, the BIC RZSBIT21324 and your address, which some banks require.

Their bank may request the bank address of Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta, in which case the Burgusio (Malles Venosta) head office is the usual answer. A typo in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

What lands in your account is often lower than what was sent. Charges on incoming payments differ per bank; check the price list of Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta. On invoices, you can agree how the fees are split.

Do you need RZSBIT21 for a SEPA transfer?

Within the SEPA zone, euro payments to Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta follow common rules and in most cases need only the IBAN. The BIC field is usually optional or missing for those payments.

For anything other than euros and from non-SEPA countries, RZSBIT21324 remains required. A few banks and apps also show a field for the BIC; if so, fill in RZSBIT21.

Instant euro transfers have become widely supported across SEPA; check with Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta whether it applies to your account. As long as no currency is converted, a SEPA transfer is inexpensive; it is the conversion that costs money.

Euro (EUR) and conversion costs

Accounts at Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta are usually held in EUR, the national currency. Money sent in a different currency is converted into EUR. There is rarely a separate line for that conversion; it is built into the rate.

Who converts the money matters: every bank has its own margin. In many cases you pay less if you send EUR straight away through a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR change during the day, and some providers let you lock in a rate. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

How to check RZSBIT21 before you pay

The most reliable place for the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from RZSBIT21 or RZSBIT21324, stop and ask.

If the code is wrong, the payment might get stuck, be returned or cost extra – sometimes after weeks of searching. Remember the IBAN: a mistake there is harder to correct than a wrong BIC.

An automatic check in your banking app merely tells you that the IBAN exists. If your bank offers it, a name check on the recipient adds extra certainty. A small test payment can be a sensible step for a large first payment despite the extra fee.

Watch out for payment fraud

A common scam works like this: you receive a request saying that a supplier now has new bank details. That RZSBIT21 is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Do not rely on contact details in the same message that announces the change. Pressure or requests to keep it quiet are red flags. If money was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference. A screenshot of a transfer proves nothing – check your own account.

Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta: head office code versus branch codes

With 5 codes in 5 cities, Raiffeisenkasse Obervinschgau Cassa Raiffeisen Alta Venosta is one of the banks that use individual codes for branches. The head office code is RZSBIT21324.

For most payments to a private or business account, the head office code RZSBIT21324 works fine. When you receive a specific code, use it as it is instead of swapping it with the head office code.

Unsure which code applies? Ask the recipient. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.