Mondelez European Business Services Centre, S.r.o. SWIFT/BIC code

What KRAFSKBA means for a payment to Mondelez European Business Services Centre, S.r.o.

KRAFSKBA and KRAFSKBAXXX are two ways of writing the same bank identifier, and both point to Mondelez European Business Services Centre, S.r.o. in Bratislava. The code has a single purpose: it makes sure that money from abroad ends up at the right bank. In practice you usually see the code on invoices from abroad, in payment forms and on the account details that Mondelez European Business Services Centre, S.r.o. provides.

Below you will find the practical side: receiving money at Mondelez European Business Services Centre, S.r.o., sending money abroad and how to verify the code before you hit send. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN is for.

How up to date is this code?

The details here come from public sources. Banks merge, change names and retire codes. Figures such as the number of codes are from our directory and are not confirmed by Mondelez European Business Services Centre, S.r.o..

Treat our directory here as a helpful check. GoldexPay is independent of Mondelez European Business Services Centre, S.r.o., we only compare transfer services. Found outdated information? Tell us through the contact page.

Before you send: check the Mondelez European Business Services Centre, S.r.o. code

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare that code with KRAFSKBA here and ask if anything does not match.

With a wrong code, the payment may get stuck, be returned or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number can be more serious because it can reach the wrong person.

A format check by your bank only tells you that the IBAN is valid. More and more banks check the name with the account – do not ignore a mismatch warning. For a first payment, many people start with a small amount first.

Changed bank details? Be careful

Be alert when someone unexpectedly asks you to send money to a different account abroad. The fact that KRAFSKBA exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Check changed bank details via a different channel. Pressure and secrecy tend to be warning signs. When a payment was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams also target the receiver: someone sends more than agreed and asks you to return the difference via a different route. Wait until the money is actually in your account and check with Mondelez European Business Services Centre, S.r.o. if anything seems off.

SEPA payments and the Mondelez European Business Services Centre, S.r.o. BIC

Since Slovakia is part of SEPA, a euro payment into Mondelez European Business Services Centre, S.r.o. from another SEPA country normally only needs an IBAN. Most banking apps do not require the BIC for these payments.

Outside the euro and for senders outside SEPA, KRAFSKBAXXX or KRAFSKBA remains required. If a payment form has a field for the BIC anyway, adding KRAFSKBA does no harm.

Instant payments in euros have become increasingly supported within SEPA – whether Mondelez European Business Services Centre, S.r.o. offers them for your account is worth checking. As long as the payment stays in euros, the transfer is cheap; it is the conversion that costs money.

Sending money abroad from Mondelez European Business Services Centre, S.r.o.

A bank transfer abroad can cost more than the fee suggests. Besides a fixed fee, banks in between can take a cut, and if the money changes currency the bank often applies a rate that is less favourable than the real market rate.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. Compare their rate against the mid-market rate.

Money transfer services often offer a rate near the mid-market rate and lower fees. Next time you send money, it is worth comparing the total cost via GoldexPay instead of going straight to your bank. Using a transfer service does not require leaving Mondelez European Business Services Centre, S.r.o.: you simply pay the service from your account.

Choosing between the 4 SWIFT codes of Mondelez European Business Services Centre, S.r.o.

We have 4 SWIFT/BIC codes for Mondelez European Business Services Centre, S.r.o. in 1 places. Besides the head office code KRAFSKBAXXX, you will find codes for individual branches and departments.

Usually there is no need to pick a branch: transfers addressed to KRAFSKBAXXX are routed within Mondelez European Business Services Centre, S.r.o. without problems. Just use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Unsure which code applies? Ask the recipient, or look at a recent statement from Mondelez European Business Services Centre, S.r.o.. Branch codes are more likely to change than KRAFSKBAXXX.

Getting paid from abroad into a Mondelez European Business Services Centre, S.r.o. account

To receive an international payment at Mondelez European Business Services Centre, S.r.o., the person paying you has to have not just the SWIFT code. What they need is: your name, IBAN or account number, KRAFSKBAXXX and in many cases your postal address.

You can include the bank name and Bratislava too, because some payment forms have separate fields for them. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Money from abroad does not always land for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. For business payments, it is common to state who bears the costs, so that nobody is left short.

How long does an international transfer to Mondelez European Business Services Centre, S.r.o. take?

An international transfer typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country can add extra days. Extra checks by one of the banks may also add a delay.

Many banks use SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation – you will need it for any trace request.

Only the sending bank is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, you can check your statements for a slightly lower amount because fees can reduce the amount.

8 or 11 characters: KRAFSKBA versus KRAFSKBAXXX

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, characters five and six give the country and the two after that indicate the location. Combined, those parts make up KRAFSKBA, the code most people search for.

The long version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why KRAFSKBAXXX and KRAFSKBA lead to the same place.

Do not add spaces when you type KRAFSKBA or KRAFSKBAXXX. A single letter can send the money to another bank, so check it twice.

Paying into Mondelez European Business Services Centre, S.r.o. in EUR

Accounts at Mondelez European Business Services Centre, S.r.o. are usually held in EUR, the local currency. If you send money in a different currency gets converted somewhere along the way. There is rarely a separate line for the conversion – the cost sits in the rate.

Which bank converts the money makes a difference. Check what EUR the recipient gets with different services before choosing one.

Exchange rates change during the day. For regular payments, a slightly better rate make a real difference over a year.