Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. SWIFT/BIC code

Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. SWIFT code: RZSBIT21

RZSBIT21 and RZSBIT21239 are two ways of writing the same SWIFT/BIC code, and both point to Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. in Lauregno. The code does one job: it makes sure that money from abroad ends up at the right bank. In practice you mostly see it on invoices from abroad, in payment forms and on the account details of Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. customers.

We wrote this page to help anyone who pays into an account at Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur.. The BIC identifies a bank or branch, not a specific account.

Paying Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. in euros within SEPA

Because Italy is part of the SEPA zone, a euro transfer to Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. from within the SEPA area usually requires just an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

You will still need RZSBIT21239 when sending payments in other currencies or transfers from countries outside SEPA. If a payment form asks for the BIC regardless, adding RZSBIT21 is fine.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, a SEPA transfer is cheap; it is the conversion that costs money.

Watch out for payment fraud

Stay wary when a contact suddenly wants you to send money to another account or a bank in another country. The fact that RZSBIT21 exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Verify changed bank details via a separate channel like a call to a number from an earlier contract. Watch out for time pressure, unusual wording or a sender address that is slightly off. When money was sent to the wrong account, call your bank right away.

Fraud also target the receiver. Someone sends more than agreed and asks you to refund the extra. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

How up to date is this code?

The codes on this page are taken from publicly available data which we refresh regularly. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes are from our directory and may differ from what Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. publishes.

Treat our data as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur., we only compare transfer services. If you notice a mistake, we appreciate a message.

Before you send: check the Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. code

Have the recipient send you their bank details directly from their banking app. Check that code with RZSBIT21 here; if they differ, ask before you pay.

If the code is wrong, the payment may get stuck, bounce back or end up costing more. Do not forget the IBAN: an error there is harder to correct than a wrong BIC.

A validity check in your banking app merely tells you that the code exists, not that it is the right account. Some banks now check the payee name with the account – do not ignore a mismatch warning. Sending a small amount first can be worth it for a large first payment despite the extra fee.

Receiving money from abroad at Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur.

A sender in another country will ask for a few details from you, and missing ones are a common cause of delays. The basics are: the account holder’s name, account number or IBAN, RZSBIT21239 or RZSBIT21 and, for some countries, your postal address.

The sender’s bank might also ask for the address of your bank; the head office in Lauregno is usually fine. Double-check every detail before you send them.

An incoming payment will not always land for the full amount. Fees for incoming transfers vary per bank – the price list of Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. tells you what applies. Make clear with the sender who covers the fees before the money is sent.

Which of the 5 codes of Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. do you need?

Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. has 5 separate SWIFT/BIC codes across 5 locations. One of them is the head office code, RZSBIT21239; the rest identify branches or departments, and sometimes specific services.

Usually you do not need to look up a branch: transfers sent to RZSBIT21239 reach Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. correctly. When you receive a specific code, use it as it is instead of replacing it with the head office code.

Not sure which code to use? Check with the recipient or the bank itself. Branch codes are more likely to be retired than RZSBIT21239 when a bank merges or closes offices.

Tracking a transfer to or from Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur.

There is no fixed answer: many arrive the same day or the next. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Extra checks by one of the banks may also cause a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Keep your transfer receipt – you will need it for any trace request.

A missing payment has to be traced from the sending side on the basis of the transfer details. On the receiving end, you can check your account for a partial amount.

Sending money abroad from Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur.

The price of an international transfer has more than one component – not just the fee on your screen. There is the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth comparing the total cost on GoldexPay. You can still use your account at Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. to fund the transfer; only the conversion and sending happen elsewhere.

What the XXX in RZSBIT21239 means

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. In this case, that core is RZSBIT21.

Most banks and apps accept both lengths. If yours requires eleven characters, enter RZSBIT21239, otherwise RZSBIT21 is fine.

As a rule the code is written in capitals, without spaces or dashes. A wrong letter may route the money to another bank, so check it twice.

Sending EUR to Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur.

Italy pays in the Euro. If you send another currency it gets converted somewhere along the way – by your bank, by Raiffeisenkasse Ulten-St.pankr-Laur Cassa Rurale Ultimo-S.pancr.-Laur. or by a bank in between. There is rarely a separate charge for that conversion; it is built into the rate.

Who converts the payment makes a difference. In many cases it is cheaper to send EUR straight away via a transfer service with a good rate rather than letting the receiving bank convert.

The EUR rate fluctuates throughout the day and quotes are often valid only for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.