Radianz Messaging SWIFT/BIC code

SWIFT/BIC code of Radianz Messaging

The short code MSGOGB21 and the full code MSGOGB21XXX refer to the same bank: Radianz Messaging in Sunbury On Thames, United Kingdom. Banks worldwide use BIC codes to direct international transfers to the correct bank. You will need it mostly when dealing with payments that cross a border and payments in foreign currencies.

Below you will find the practical questions: receiving money at Radianz Messaging, paying someone in another country and how to check a SWIFT code before you confirm a payment. Keep in mind that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

8 or 11 characters: MSGOGB21 versus MSGOGB21XXX

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. The result is MSGOGB21, the short form of the code.

Many payment forms accept both lengths. If a form asks for eleven characters, use MSGOGB21XXX, otherwise MSGOGB21 is fine.

Do not add spaces when you type MSGOGB21. A single character can send a payment to another bank, so check it twice.

Paying someone abroad from your Radianz Messaging account

When you send money to another country through Radianz Messaging, the visible fee is only part of the cost. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank usually uses a rate below the actual market rate.

That exchange rate margin tends to be the biggest item because it is hidden in the rate. Check their rate against the mid-market rate; the gap is what conversion costs you.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. GoldexPay compares transfer providers side by side, showing what actually arrives for the same amount sent. You can always use your account at Radianz Messaging to fund the transfer; only the conversion and sending happen elsewhere.

Transfer times and tracking a payment to Radianz Messaging

A SWIFT payment usually needs one to a few business days. Bank holidays in either country add extra days, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

When a payment takes longer than expected, ask the sending bank about the tracking status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt until the money has arrived.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Receiving money from abroad at Radianz Messaging

If you are waiting for a payment from another country, send the payer everything they need in one go. Share the account holder’s name, your account number or IBAN, SWIFT code MSGOGB21XXX and your address, which some banks require.

It helps to include Radianz Messaging and Sunbury On Thames as well. Check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than what was sent. Fees for incoming transfers differ per bank; check the price list of Radianz Messaging. Make clear with the sender who pays which costs before the money is sent.

Verifying the SWIFT code of Radianz Messaging

Ask the recipient to copy their account details straight from their online banking. When the code you were given does not match MSGOGB21 or MSGOGB21XXX, stop and ask.

Mistakes in the SWIFT code are annoying rather than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

Most online banking apps check the structure of IBANs. More and more banks compare the payee name with the account – do not ignore a mismatch warning. When you pay someone new, many people send a small test amount.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message saying that a supplier has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, verify a change of bank details by phone. Watch out for time pressure, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, contact your bank immediately.

Scams can also work the other way. Someone sends too much and asks you to refund the difference. A screenshot of a transfer is no proof.

Where our SWIFT data comes from

This directory draws on public sources and we update it periodically. Institutions merge, close branches and change codes. Counts and locations come from our own dataset and are not confirmed by Radianz Messaging.

Treat the information here as a helpful check, and let the details from the recipient or Radianz Messaging have the final say. We are an independent comparison site for money transfers and not part of Radianz Messaging. Spotted an error? Let us know via our contact form and we will look into it.

The British Pound and what conversion costs you

The currency of United Kingdom is the British Pound (GBP). A payment in a foreign currency will be converted into GBP, and whoever converts it chooses the rate. There is rarely a separate line for that conversion – the cost sits in the rate.

Who converts the payment matters, because each party uses its own rate. Transferring the money already in GBP often avoids a second conversion.

The GBP rate changes throughout the day. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Which of the 2 codes of Radianz Messaging do you need?

Having 2 codes, Radianz Messaging belongs to the banks that register individual codes for parts of the organisation and departments. The head office code remains MSGOGB21XXX.

In most cases you do not need to look up a branch: payments sent to MSGOGB21XXX are routed within Radianz Messaging correctly. A branch code only makes sense if the account holder specifically mentions it.

The best way is to take the code straight from the account holder’s invoice. Codes for branches are more prone to be retired than the head office code.

Paying Radianz Messaging in euros within SEPA

United Kingdom belongs to the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, the IBAN is usually enough.

Outside the euro and from non-SEPA countries, MSGOGB21XXX or MSGOGB21 is still required. If a payment form has a field for the BIC anyway, entering MSGOGB21 is fine.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer is inexpensive; it is the conversion that costs money.