R Raphaels and Sons PLC SWIFT/BIC code

R Raphaels and Sons PLC SWIFT code: RAPHGB22

RAPHGB22 and RAPHGB22XXX are two ways of writing the same SWIFT/BIC code, and both lead to R Raphaels and Sons PLC in Aylesbury. A BIC does one job: it makes sure that an international payment ends up at the right bank. You will need it mainly for transfers between countries and payments in foreign currencies.

We wrote this page to help anyone who sends money to an account at R Raphaels and Sons PLC without mistakes. A SWIFT code identifies an institution, not a specific account.

Which of the 3 codes of R Raphaels and Sons PLC do you need?

We have 3 SWIFT/BIC codes for R Raphaels and Sons PLC. Besides the head office code RAPHGB22XXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use RAPHGB22XXX or its short form RAPHGB22. Only use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise, so do not rely on old paperwork.

Why R Raphaels and Sons PLC has an 8- and an 11-character code

A BIC is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that indicate the location. That gives you RAPHGB22, the short form of the code.

XXX at the end of RAPHGB22XXX does not stand for a missing value or an error: it stands for the head office of R Raphaels and Sons PLC. Some forms ask for 11 characters, in which case you can add XXX behind RAPHGB22.

As a rule the code is written in capitals, without spaces or dashes. A wrong character can send a payment to a different institution, so copy it carefully.

Paying someone abroad from your R Raphaels and Sons PLC account

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup when the money is converted.

The markup on the rate tends to be the largest cost because it is hidden in the rate. Compare their rate against the mid-market rate – the rate you find on financial news sites.

Money transfer services often use rates closer to the mid-market rate with clearer fees. Next time you send money, take a minute comparing what arrives on GoldexPay. You can still keep your account at R Raphaels and Sons PLC as the source of the money; only the conversion and sending happen elsewhere.

Tracking a transfer to or from R Raphaels and Sons PLC

There is no fixed delivery time for every transfer: some arrive within a day, others take several business days. Bank holidays in either country add a day or more. Extra checks on larger or unusual payments may also cause a delay.

If the money is late, contact the sending bank about the tracking status and the transaction reference. Save your transfer receipt until the money has arrived.

A delayed transfer is investigated by the sending bank. Ask the sender for a copy of the payment confirmation including the reference.

What to give a sender who pays you at R Raphaels and Sons PLC

For a transfer from abroad at R Raphaels and Sons PLC, the person paying you has to have more than the BIC. Share the account holder’s name, the IBAN or account number, SWIFT code RAPHGB22XXX and your address, which some banks require.

Certain sending banks also ask for the bank’s address in Aylesbury; it does no harm to include it. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

What lands in your account can be less than what was sent. Fees for incoming transfers vary from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Sending GBP to R Raphaels and Sons PLC

The currency of United Kingdom is the British Pound (GBP). If you send another currency has to be converted somewhere along the way – by your bank, by R Raphaels and Sons PLC or by a bank in between. Every conversion costs the amount – usually through the rate rather than a fee.

Who converts the payment matters, because each party uses its own rate. Sending the amount already in GBP usually avoids an extra conversion – as long as your own rate is good.

The rate for GBP changes throughout the day and quotes are often valid only for a short time. On larger amounts, even small difference in the rate adds up quickly.

How to check RAPHGB22 before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given differs from RAPHGB22 or RAPHGB22XXX, do not guess: check with the recipient or with R Raphaels and Sons PLC directly.

Mistakes in the BIC tend to be annoying rather than fatal: often the payment comes back, minus fees. A mistake in the IBAN or account number is a bigger problem because it can reach the wrong person; check it just as carefully.

A format check in your banking app only confirms that the code exists. Some banks now check the payee name with the account – do not ignore a mismatch warning. A small test payment can be worth it for a large first payment.

Protect yourself against fake payment requests

Be alert if a contact unexpectedly asks you to pay into another account. That RAPHGB22 is a real code is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Before paying, verify changed bank details through a phone call on a number you know, not one from the message. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Call your bank straight away and have them start a recall; also report it to the police.

Fraud also work the other way. Someone sends more than agreed and asks you to refund the extra via a different route. Do not act before the money is actually in your account – ask R Raphaels and Sons PLC if something looks wrong.

Paying R Raphaels and Sons PLC in euros within SEPA

Because United Kingdom is in SEPA, a euro transfer into R Raphaels and Sons PLC from another SEPA country usually requires just the IBAN. Most banking apps do not require the BIC for these payments.

A SWIFT code like RAPHGB22 does matter when the currency is not euros and when the money comes from outside SEPA. A few forms still ask for the BIC out of habit; in that case, enter RAPHGB22.

Euro payments within SEPA normally land by the next business day. Charges on SEPA transfers tend to be low as long as everything stays in euros.

A note on our data

The codes on this page are taken from publicly available data which we refresh regularly. Still, banks merge or change codes, so information can be out of date. Figures such as the number of codes are from our directory and may differ from what R Raphaels and Sons PLC publishes.

Use this page as a reference, not as the last word: the recipient’s bank details come first. GoldexPay has no connection to R Raphaels and Sons PLC, we only compare transfer services. If you notice something that is out of date, we welcome a short note.