Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco SWIFT/BIC code

Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco SWIFT code: RZSBIT21

The short code RZSBIT21 and the 11-character code RZSBIT21113 identify the same bank: Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mostly for transfers between countries and payments in foreign currencies.

Further down you will find the practical questions: receiving money at Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco, sending money abroad and how to verify a SWIFT code before you confirm a payment. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN is for.

Paying into Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco in EUR

Italy pays in the Euro, code EUR. Money sent in a different currency is exchanged into EUR on its way to Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco. There is rarely a separate charge for the conversion; it is built into the rate.

Who does the conversion affects how much arrives, since every bank sets its own rate. Transferring the amount already in EUR often prevents an extra conversion at the receiving end.

Exchange rates move all the time. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

About this information

The directory on GoldexPay is based on publicly available sources and we update it periodically. Still, banks merge, rename themselves or change codes, so information can be out of date. Figures such as the number of codes come from our own dataset and may differ from what Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco publishes.

Treat the information on this page as a handy check and rely on the recipient or Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco for the final confirmation. GoldexPay is an independent comparison site and not part of Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco. Found an error? Let us know via our contact form so we can correct it.

How long does an international transfer to Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco take?

A SWIFT payment typically takes anywhere from one to several business days. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Extra checks on larger or unusual payments can also add a delay.

If a transfer seems late, ask the sending bank for the status so they can trace it along the chain. Money transfer services often provide tracking online so you can see where the money has got.

A delayed transfer is investigated from the sending side, using the payment confirmation. Ask the sender for the payment receipt – it helps your own bank look for the money.

Euro transfers to Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco: is a BIC needed?

Within the SEPA zone, euro payments to an account in Italy follow the same rules and in most cases need only the IBAN. The BIC field is usually optional or missing in that case.

A SWIFT code like RZSBIT21 still come into play when the currency is not euros. If a payment form asks for the BIC regardless, adding RZSBIT21 is fine.

Instant payments in euros have become increasingly supported within SEPA; check with Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco whether it applies to your account. As long as no currency is converted, the transfer is inexpensive.

Head office or branch code at Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco?

We have 4 SWIFT/BIC codes for Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco, spread over 4 locations. Besides the head office code RZSBIT21113, you will find codes for regional offices and specialised units.

In most cases there is no need to look up a branch: payments sent to RZSBIT21113 reach Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco correctly. When you receive a branch code, stick to it rather than replacing it for the head office code.

The best way is to take the code directly from the account holder’s invoice. Branch codes are more likely to change than RZSBIT21113 when a bank merges or closes offices.

Scams that use SWIFT codes

One of the most common tricks works like this: an email arrives with a message claiming that a supplier now has a new bank account and that the next payment should go there. That RZSBIT21 is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Check changed payment details through a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure and requests to keep it quiet tend to be red flags. When money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone claims to have sent too much and asks you to refund the difference. A screenshot of a transfer proves nothing – check your own account.

Sending money abroad from Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco

A bank transfer abroad costs more than the listed fee. On top of a fixed fee, banks in between can take a cut, and if currencies are converted the bank often uses a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently use a rate near the mid-market rate. Before your next transfer, it is worth to compare the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco.

8 or 11 characters: RZSBIT21 versus RZSBIT21113

The layout 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. In this case, that core is RZSBIT21.

Most payment forms accept either length. If a form asks for eleven characters, use RZSBIT21113; if it wants eight, use RZSBIT21.

In practice the code is typed in capitals. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

What to give a sender who pays you at Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco

A sender in another country will ask for several details about your account – incomplete details often cause delays. The basics are: your name, account number or IBAN, RZSBIT21113 and in many cases your home address.

It helps to include the bank name and Barbiano too, since some forms ask for it. A mistake in the IBAN is more trouble than it looks, so copy the details from your online banking.

The amount you receive is often lower than what was sent. Charges on incoming payments differ per bank; check the price list of Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco. Make clear with the sender who covers the fees, especially for larger amounts.

Verifying the SWIFT code of Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco

The most reliable place for the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from RZSBIT21 or RZSBIT21113, do not guess – contact the recipient or Raiffeisenkasse Untereisacktal Cassa Raiffeisen Bassa Vall' Isarco.

If the code is wrong, the payment might get stuck, be returned or end up costing more. Do not forget the IBAN: an error there can be harder to correct than a wrong code.

Most online banking apps check the format of an IBAN. More and more banks compare the name with the account before you confirm; take any warning seriously. For a first payment, some people send a small test amount.