Raiffeisenkasse Salurn Cassa Rurale di Salorno SWIFT/BIC code

RZSBIT21 – the SWIFT/BIC code of Raiffeisenkasse Salurn Cassa Rurale di Salorno

If an invoice shows RZSBIT21 or RZSBIT21231, you are looking at the same address for Raiffeisenkasse Salurn Cassa Rurale di Salorno in Italy. A SWIFT code tells the banks handling a payment which institution is meant to get the money. It comes up mostly when dealing with transfers between countries.

On this page we explain how the code means, when you need it and what else a transfer to or from Raiffeisenkasse Salurn Cassa Rurale di Salorno requires. The SWIFT code on its own does not identify an individual account holder; that is what the IBAN or account number is for.

How up to date is this code?

This directory draws on public sources and we update it periodically. It can happen that information on this page is out of date. Figures such as the number of codes come from our directory and are not confirmed by Raiffeisenkasse Salurn Cassa Rurale di Salorno.

Treat this page as a starting point, not as the last word – the bank details from the recipient are leading. We are an independent comparison service and not affiliated with Raiffeisenkasse Salurn Cassa Rurale di Salorno. Found an error? Let us know through the contact page and we will look into it.

RZSBIT21 or RZSBIT21231 – which one to use?

The structure of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. For Raiffeisenkasse Salurn Cassa Rurale di Salorno, the 8-character core is RZSBIT21.

XXX at the end of RZSBIT21231 does not stand for a placeholder or a mistake: it stands for the head office of Raiffeisenkasse Salurn Cassa Rurale di Salorno. Some banking apps insist on 11 characters, and then you can add XXX after RZSBIT21.

In practice the code is written in capitals, without spaces or dashes. A single letter can send a payment to another bank, so check it twice.

Euro (EUR) and conversion costs

Most accounts at Raiffeisenkasse Salurn Cassa Rurale di Salorno are typically held in EUR, the national currency of Italy. When you pay money in a different currency has to be converted at some point: by your bank, an intermediary or Raiffeisenkasse Salurn Cassa Rurale di Salorno itself. Each conversion eats into the amount – usually through the rate rather than a fee.

Which bank converts the money makes a difference: every bank has its own margin. Often it is cheaper to send EUR straight away through a transfer service with a good rate.

The rate for EUR changes throughout the day. On larger amounts, a small gap in the rate adds up quickly.

Head office or branch code at Raiffeisenkasse Salurn Cassa Rurale di Salorno?

Having 5 codes in 5 locations, Raiffeisenkasse Salurn Cassa Rurale di Salorno belongs to the banks that use individual codes for parts of the organisation and departments. The main code remains RZSBIT21231.

Usually there is no need to look up a branch: transfers addressed to RZSBIT21231 are routed within Raiffeisenkasse Salurn Cassa Rurale di Salorno without problems. Branch codes are only needed if the recipient’s bank specifically mentions it.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

SEPA payments and the Raiffeisenkasse Salurn Cassa Rurale di Salorno BIC

Because Italy is part of the SEPA zone, a euro payment to Raiffeisenkasse Salurn Cassa Rurale di Salorno from within the SEPA area normally requires just an IBAN. Many banks no longer ask for the BIC for these payments.

The BIC still come into play when the currency is not euros. If your banking app has a field for the BIC regardless, entering RZSBIT21 does no harm.

Instant payments in euros are increasingly available within SEPA; check with Raiffeisenkasse Salurn Cassa Rurale di Salorno whether it applies to your account. Provided no currency is converted, the transfer is inexpensive; costs rise once a conversion is involved.

Receiving money from abroad at Raiffeisenkasse Salurn Cassa Rurale di Salorno

Someone abroad who wants to pay you will ask for a few details from you – incomplete details often cause delays. Give them your name as the bank knows it, your account number or IBAN, the BIC RZSBIT21231 and your address, which some banks require.

Their bank may also ask for the bank address of Raiffeisenkasse Salurn Cassa Rurale di Salorno; the head office in Cortaccia Sulla Strada del Vino is usually fine. A mistake in your account number is harder to fix than you might think, so copy the details from your online banking.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Raiffeisenkasse Salurn Cassa Rurale di Salorno may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. For business payments, you can agree how the fees are split to avoid a shortfall.

Tracking a transfer to or from Raiffeisenkasse Salurn Cassa Rurale di Salorno

An international transfer typically takes one to a few business days. Transfers sent late in the day or just before weekends and holidays usually go out the next business day. Extra checks by one of the banks can also cause a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR. Save your transfer receipt.

If the money does not arrive after a few business days, the sender needs to start with their own bank. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.

Verifying the SWIFT code of Raiffeisenkasse Salurn Cassa Rurale di Salorno

Ask the recipient to copy the account details straight from their banking app. When the code you were given differs from RZSBIT21 or RZSBIT21231, do not guess.

With a wrong code, the payment may be delayed, bounce back or end up costing more. Remember the IBAN: a mistake there is more difficult to correct than a wrong code.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. A small test payment is a sensible step for a large first payment, even if it costs an extra fee.

Protect yourself against fake payment requests

Stay wary when someone unexpectedly wants you to send money to another account or a bank in another country. That RZSBIT21 is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Verify new bank details through a different channel, not by replying to the message. Pressure or requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. Already paid? Call your bank without delay and ask them to start a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money has really arrived.

International transfers from Raiffeisenkasse Salurn Cassa Rurale di Salorno: the real cost

An international bank payment costs more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if currencies are converted, the bank usually applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts using an exchange rate that includes a margin. A simple test: put the rate you get against the mid-market rate and look at the difference.

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 services, which makes the cheapest option easy to spot. You can still keep your account at Raiffeisenkasse Salurn Cassa Rurale di Salorno as the source of the money; only the conversion and sending happen elsewhere.