Rabobank New York SWIFT/BIC code

RABOUS33 – the SWIFT/BIC code of Rabobank New York

If an invoice shows RABOUS33 or RABOUS33XXX, it is the same address for Rabobank New York in United States. Banks worldwide use BIC codes to direct international transfers to the right bank. In practice you mostly see the code on international invoices, in your banking app and in the bank details of Rabobank New York customers.

This page is meant to help people who sends money to an account at Rabobank New York without mistakes. Remember that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

How long does an international transfer to Rabobank New York take?

An international transfer typically takes anywhere from one to several business days. Payments made after the cut-off time or on a weekend or public holiday usually start the next business day. Sometimes a bank wants to know about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt; it contains the details a bank needs to start a trace.

The bank that sent the money can start an official trace. As a recipient, it helps to check your statements for a partial amount because fees can reduce the amount.

How up to date is this code?

Our SWIFT/BIC directory draws on public sources and we update it periodically. It can happen that information here is out of date, for example after a merger. The figures we show are based on what is in our directory, not official figures from Rabobank New York.

For a payment that matters, check the BIC with Rabobank New York or with the recipient. GoldexPay is an independent comparison site for money transfers and not part of Rabobank New York. Found outdated information? Tell us through the contact page.

Which of the 2 codes of Rabobank New York do you need?

Rabobank New York has 2 different SWIFT/BIC codes across 1 locations. One of them is the head office code; the others belong to branches or departments, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code RABOUS33XXX works fine. Branch codes are only needed if the account holder specifically asks for it.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to be retired than RABOUS33XXX.

What the XXX in RABOUS33XXX means

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. That gives you RABOUS33, the short form of the code.

The 11-character version adds three more characters for a branch or department. If the last three are XXX, they simply mean the head office, so RABOUS33XXX and RABOUS33 are interchangeable.

As a rule the code is typed in capitals and without spaces. Look out for the letter O and the digit 0 and the letter I and the digit 1.

The US Dollar and what conversion costs you

United States uses the US Dollar, with the currency code USD. A payment in a foreign currency will be converted into USD on its way to Rabobank New York – and the bank that does it picks the rate. Every conversion eats into the amount.

Who converts the payment makes a difference. In many cases it is cheaper if you send USD directly via a provider with a good rate, so that the receiving bank does not need to convert again.

The rate for USD changes throughout the day. With bigger transfers, even small difference in the rate can be worth more than the fee.

Getting paid from abroad into a Rabobank New York account

For a transfer from abroad into your account at Rabobank New York, the person paying you has to have more than the BIC. Give them the account holder’s name, the IBAN or account number, the BIC RABOUS33XXX and your address.

Certain sending banks want the bank’s address. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive in full. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin applies. Agree with the sender who pays which costs, especially for larger amounts.

Sending money abroad from Rabobank New York

When you send money to another country via Rabobank New York, the visible fee is rarely all of what you pay. There is the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

Banks rarely show their exchange rate markup separately – you only notice it if you compare. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets before you commit. You can always use your account at Rabobank New York as the source of the money.

Scams that use SWIFT codes

Scammers regularly use payment requests containing new bank details. A valid SWIFT code tells you nothing about who owns the account.

Never trust contact details in the same message that announces the new account. Urgency or requests to keep it quiet tend to be warning signs. If a payment was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference to another account. Do not act before the money has really arrived and check with Rabobank New York if anything seems off.

Is RABOUS33 still correct? How to check

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have does not match RABOUS33 or RABOUS33XXX, do not guess – contact the recipient or Rabobank New York.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. Remember the IBAN: a mistake there is more difficult to undo than a wrong BIC.

A format check by your bank only tells you that the code exists, not that it is the right account. More and more banks check the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is worth it for large sums, even if it costs an extra fee.