Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo SWIFT/BIC code

What RZSBIT21 means for a payment to Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo

RZSBIT21 and RZSBIT21145 are two spellings of the same bank identifier, and both lead to Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo in Prissiano (Tesimo). Every bank on the SWIFT network uses these codes to route international transfers to the right bank. In practice you mostly come across the code on international invoices, in your banking app and in the bank details of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo customers.

This page is meant to help people who receives money at an account at Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

Verifying the SWIFT code of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo

Have the recipient send you the account details straight from their banking app. When the code you were given does not match RZSBIT21 or RZSBIT21145, stop and ask: check with the recipient or with Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo directly.

With a wrong code, the payment may be delayed, be returned or cost extra, and tracing it can take weeks. An error in the IBAN or account number is a bigger problem because it can reach the wrong person.

A validity check by your bank only tells you that the IBAN is valid, not that it is the right account. More and more banks compare the name with the account before you confirm; take any warning seriously. A small test payment can be worth it for a large first payment despite the extra fee.

Euro (EUR) and conversion costs

Accounts at Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo are usually held in EUR, the national currency. When you pay money in a different currency has to be converted somewhere along the way – by your bank, by Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo or by a bank in between. You rarely see a separate line for that conversion.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. In many cases you pay less to send EUR directly through a provider with a good rate, so that the receiving bank does not need to convert again.

The EUR rate changes throughout the day. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

Watch out for payment fraud

A common scam works like this: you receive a request claiming that a company now has new bank details and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account.

Always confirm a change of bank details by phone, using a number you already had. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Call your bank straight away and have them try to recall the payment.

Fraud can also work the other way: someone sends more than agreed and asks you to return the difference via a different route. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

International transfers from Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo: the real cost

A bank transfer abroad costs more than the fee suggests. On top of the transfer fee, banks in between may deduct a fee, 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: the bank converts at a rate with a margin built in. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites.

Money transfer services frequently offer a rate near the mid-market rate with clearer fees. GoldexPay compares the amount that arrives with different services. Choosing a specialist does not mean closing your account at Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo – you pay the provider from your own account.

Which of the 3 codes of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo do you need?

With 3 codes in 3 cities, Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo is one of the banks that use individual codes for parts of the organisation and departments. The main code is RZSBIT21145.

Unless the recipient tells you otherwise, use RZSBIT21145. If you have been given a branch code, stick to it rather than swapping it with the head office code.

If you are not sure, check with the recipient which code their bank gave them. Codes are sometimes changed or retired when banks reorganise.

Do you need RZSBIT21 for a SEPA transfer?

Because Italy is in the SEPA zone, a euro payment into Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo from another SEPA country usually only needs the IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

Outside the euro and from non-SEPA countries, RZSBIT21145 or RZSBIT21 remains required. If your banking app asks for the BIC anyway, entering RZSBIT21 is fine.

Instant euro transfers have become increasingly available within SEPA; check with Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo whether it applies to your account. Charges on SEPA payments tend to be low.

Getting paid from abroad into a Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo account

If you expect money from abroad, send the payer a complete set of details. Share the account holder’s name, your account number or IBAN, the BIC RZSBIT21145 and your address.

The sender’s bank might request the bank address of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo, in which case the Prissiano (Tesimo) head office is the usual answer. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive in full. Intermediary banks may deduct a fee, Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo may charge for incoming payments, and if the money is converted, a markup on the rate applies. On invoices, it is common to agree how the fees are split to avoid a shortfall.

Where our SWIFT data comes from

We gather bank codes from publicly available data and update our list from time to time. It is possible that a code on this page is out of date after a merger or reorganisation. The number of codes we show are based on what is in our directory.

Treat our directory on this page as a helpful check, and let the details from the recipient or Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo have the final say. GoldexPay is independent of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo, we only compare transfer services. Found outdated information? Tell us via our contact form and we will look into it.

When will the money arrive at Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo?

A SWIFT payment usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks on larger or unusual payments may also cause some delay.

When a payment takes longer than expected, ask the sending bank about the status; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms.

Only the sending bank can request a trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Why Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. Together, these eight characters form RZSBIT21, the code most people search for.

XXX at the end of RZSBIT21145 is not a missing value or an error: it stands for the main office of Raiffeisenkasse Tisens Cassa Raiffeisen di Tesimo. Some banking apps insist on 11 characters, in which case you simply enter XXX after RZSBIT21.

Type the code in one piece, in capitals and without separators. Copying the code beats retyping it.