Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige SWIFT/BIC code

Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige SWIFT code: RZSBIT21

The 8-character code RZSBIT21 and the 11-character code RZSBIT21048 identify the same bank: Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige in Appiano Sulla Strada del Vino, Italy. A SWIFT code shows the banks handling a payment exactly which bank should receive the money, a bit like a postal address for banks. You will need it mainly for payments that cross a border.

Below you will find the practical side: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you confirm a payment. A SWIFT code names an institution, never a specific account; the IBAN or account number does that.

How long does an international transfer to Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige take?

An international transfer usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on a weekend or public holiday usually go out the next business day. Compliance checks by one of the banks may also cause a delay, regardless of the details.

Many banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR. Specialist transfer services often show tracking online showing how far the payment is.

If a payment has not arrived after a few business days, the sender should start with the bank that sent it, not the receiving bank. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Sending EUR to Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige

Italy pays in the Euro. When you pay another currency it has to be converted somewhere along the way: by your bank, an intermediary or Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige itself. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the money directly in EUR usually avoids a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR change all the time. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

Sending money abroad from Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige

An international bank payment can cost rather more than the listed fee. On top of the transfer fee, banks in between can deduct a fee, and if currencies are converted, the bank often applies a rate below the real market rate.

The markup on the rate is often the largest cost, and it is easy to miss. An easy check: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Money transfer services often use rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth to compare what arrives via GoldexPay. Using a transfer service does not mean leaving Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige – you pay the provider from your own account.

What the XXX in RZSBIT21048 means

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. In this case, that core is RZSBIT21.

Most banks and apps work with both lengths. If a form asks for eleven characters, use RZSBIT21048, otherwise RZSBIT21 is fine.

Enter the code in one piece, in capitals and without separators, exactly as shown here. Pasting the code is safer than retyping it: a typo can point to another bank.

Getting paid from abroad into a Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige account

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. What they need is: your name, IBAN or account number, RZSBIT21048 or RZSBIT21 and in many cases your postal address.

Some banks also ask for the address of Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige in Appiano Sulla Strada del Vino; it does no harm to include it. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be lower than the amount sent. Correspondent banks can take a fee, Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige may charge for incoming payments, and if the currency changes, an exchange rate margin comes on top. Make clear with the sender who covers the fees before the money is sent.

Head office or branch code at Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige?

Our database contains 7 SWIFT/BIC codes for Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige. Next to the head office code RZSBIT21048, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, go with RZSBIT21048 or its short form RZSBIT21. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes can change over time.

Euro transfers to Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige: is a BIC needed?

Inside SEPA, euro transfers to Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige use common rules. The BIC field is usually optional or missing in that case.

You will still need RZSBIT21048 when sending non-euro payments or transfers from countries outside SEPA. If a payment form has a field for the BIC anyway, entering RZSBIT21 is fine.

Instant euro transfers are widely available across SEPA – whether Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige offers them for your account is worth checking. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

Protect yourself against fake payment requests

Fraudsters regularly use fake invoices containing changed bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Do not trust contact details in the same message that announces the new account. Watch out for time pressure, unusual wording or a sender address that is slightly off. If money was sent to the wrong account, call your bank right away.

Fraud also target the receiver. Someone claims to have sent more than agreed and wants you to refund the difference. A screenshot of a transfer is no proof.

A note on our data

The codes on this page are taken from public sources that we update regularly. Institutions merge, change names and change codes. The figures we show reflect our own data and not on information from Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige itself.

For any payment that matters, always confirm the code with the recipient’s bank or with the recipient. GoldexPay is a comparison site for money transfers and not part of Raiffeisenkasse Ueberetsch Cassa Raiffeisen Oltradige. If you notice a mistake, we appreciate a message via the contact page.

Is RZSBIT21 still correct? How to check

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

An incorrect BIC can cause delays, a payment being sent back or extra fees along the way. Do not forget the account number: a mistake there can be more difficult to undo than a wrong code.

An automatic check by your bank merely confirms that the code exists. If your bank offers it, a name check before sending adds extra certainty. A small test payment is a sensible step for large sums, even if it costs an extra fee.