Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino SWIFT/BIC code

What RZSBIT21 means for a payment to Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino

The 8-character code RZSBIT21 and the 11-character code RZSBIT21132 refer to one and the same institution: Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino in Campolasta (Sarentino), Italy. A SWIFT code shows the banks handling a payment exactly which bank is meant to get the money, a bit like a postal address for banks. In daily life you usually come across the code on international invoices, in your banking app and in the bank details of Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino customers.

This page is meant to help anyone who sends money to an account at Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino without mistakes. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Do you need RZSBIT21 for a SEPA transfer?

Since Italy is part of the SEPA zone, a euro payment into Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino from another SEPA country usually only needs an IBAN. Most banking apps do not require the BIC in that case.

You still need RZSBIT21132 when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC regardless, entering RZSBIT21 does no harm.

Instant euro transfers have become widely supported across SEPA; check with Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino whether it applies to your account. Provided no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

When will the money arrive at Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino?

How fast a payment arrives at Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino is determined by several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add a day or more to the journey. Occasionally a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

The bank that sent the money can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your account for a partial amount because fees can reduce the amount.

Where our SWIFT data comes from

The directory on GoldexPay draws on publicly available sources and is updated regularly. Banks merge, close branches and change codes, and a directory never catches every change immediately. The number of codes we show are based on our own data, not official figures from Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino.

For a payment that matters, always confirm the code with the recipient’s bank or the recipient. We are a comparison service and not affiliated with Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino. If you notice a mistake, we welcome a message.

How to check RZSBIT21 before you pay

The safest source for a SWIFT code is the bank details provided by the recipient. If the code you have does not match RZSBIT21 or RZSBIT21132, do not guess – contact the recipient or Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino.

If the code is wrong, the payment might be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: a mistake there can be harder to correct than a wrong code.

An automatic check in your banking app only tells you that the IBAN is valid, not that it is the right account. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first can be worth it for large sums despite the extra fee.

What a transfer from Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino abroad really costs

An international bank payment can cost rather more than the listed fee. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank usually applies a rate below the real market rate.

Many banks do not show the margin on the rate as a cost. Check their rate against the mid-market rate; the gap is what conversion costs you.

Specialised transfer providers often use a rate near the mid-market rate. On GoldexPay you can compare what recipients receive across services. You can always keep your account at Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino to fund the transfer.

Choosing between the 2 SWIFT codes of Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino

Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino has 2 different SWIFT/BIC codes. One of them is the head office code; the rest identify branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code RZSBIT21132 works fine. When you receive a branch code, stick to it instead of replacing it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

What the XXX in RZSBIT21132 means

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. That gives you RZSBIT21.

Most banks and apps accept either length. If yours requires eleven characters, enter RZSBIT21132; if it wants eight, use RZSBIT21.

Leave out spaces when you type RZSBIT21. Look out for O versus 0 and I versus 1.

Watch out for payment fraud

Criminals often send fake invoices containing changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about whether the request is genuine.

Always confirm a change of bank details by phone, using a number you already had. Watch out for urgent requests, odd spelling or an email address that differs by one letter. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also work the other way: someone claims to have sent more than agreed and asks you to return the extra via a different route. Do not act before the money is actually in your account.

Sending EUR to Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino

Most accounts at Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino are typically held in EUR, the local currency. Money sent in a different currency will be converted into EUR on its way to Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino – and the bank that does it picks the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Who converts the payment makes a difference. Transferring the amount already in EUR often avoids a second conversion by Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino – as long as your own rate is good.

Exchange rates move all the time. On larger amounts, a small difference in the rate adds up quickly.

Incoming international payments to Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino

A sender in another country will ask for several details about your account. What they need is: your name, account number or IBAN, RZSBIT21132 or RZSBIT21 and in many cases your home address.

Certain sending banks also ask for the address of Raiffeisenkasse Sarntal Cassa Raiffeisen Val Sarentino in Campolasta (Sarentino); it does no harm to include it. Check the details before you share them.

Expect that the amount credited is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs.