Reinsurance Group of America, Inc. SWIFT/BIC code

RGARUS44 – the SWIFT/BIC code of Reinsurance Group of America, Inc.

The 8-character code RGARUS44 and the full code RGARUS44XXX refer to the same bank: Reinsurance Group of America, Inc. in Chesterfield,mo, United States. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. In practice you mostly come across the code on international invoices, in payment forms and on the account details of Reinsurance Group of America, Inc. customers.

This page is meant to help people who receives money at an account at Reinsurance Group of America, Inc.. A SWIFT code identifies a bank or branch, not a specific account; the IBAN or account number does that.

Protect yourself against fake payment requests

One of the most common tricks works like this: you receive a message claiming that a supplier now has new bank details and that the next payment should go there. That RGARUS44 is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Tracking a transfer to or from Reinsurance Group of America, Inc.

How fast a transfer arrives at Reinsurance Group of America, Inc. depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out a business day later. Sometimes a bank wants to know what the payment is for.

When a payment takes longer than expected, ask the sending bank about the status so they can trace it along the chain. Specialist transfer services usually provide a status in their app so you can see how far the payment is.

If a payment has not arrived after a few business days, the person who paid needs to contact their own bank rather than Reinsurance Group of America, Inc.. On the receiving end, it helps to check your statements to see a slightly lower amount, since fees may have been deducted.

8 or 11 characters: RGARUS44 versus RGARUS44XXX

The structure of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code. Together, those parts make up RGARUS44.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, so RGARUS44XXX and RGARUS44 are interchangeable.

Enter the code in one piece, in capitals and without separators, exactly as shown here. A wrong character may route a payment to a different institution.

How up to date is this code?

The details on this page are taken from public sources that we update regularly. Still, banks merge or change codes. The figures on this page are based on our own data, not official figures from Reinsurance Group of America, Inc..

Treat this page as a starting point, rather than as the final word – the bank details from the recipient are leading. We are a comparison site and not part of Reinsurance Group of America, Inc.. Should you notice a mistake, we welcome a message via the contact page.

Choosing between the 3 SWIFT codes of Reinsurance Group of America, Inc.

We have 3 SWIFT/BIC codes for Reinsurance Group of America, Inc. in 2 places. Besides the head office code RGARUS44XXX, there are codes for branches, departments or specific services.

Usually there is no need to pick a branch: payments addressed to RGARUS44XXX are routed within Reinsurance Group of America, Inc. correctly. A branch code only makes sense if the recipient’s bank explicitly mentions it.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more prone to be retired than RGARUS44XXX when a bank merges or closes offices.

Before you send: check the Reinsurance Group of America, Inc. code

The most reliable place for the right code remains a document from the bank itself like a bank statement or the account page in online banking. When the code you were given differs from RGARUS44 or RGARUS44XXX, stop and ask.

With a wrong code, the transfer might get stuck, bounce back or end up costing more – sometimes after weeks of searching. Do not forget the account number: an error there can be more difficult to undo than a wrong code.

Most online banking apps check the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. If your bank offers it, a name check before sending adds an extra layer of safety. When you pay someone new, many people send a small amount first before sending the rest.

What a transfer from Reinsurance Group of America, Inc. abroad really costs

If you transfer money abroad from Reinsurance Group of America, Inc., the visible fee is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

Banks do not list their exchange rate markup separately – you only notice it if you compare. Compare their rate against the mid-market rate; the gap is what conversion costs you.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive across services, which makes the cheapest option easy to spot. You can always keep your account at Reinsurance Group of America, Inc. as the source of the money; only the conversion and sending happen elsewhere.

US Dollar (USD) and conversion costs

United States pays in the US Dollar. If you send money in a different currency it has to be converted somewhere along the way – by your bank, by Reinsurance Group of America, Inc. or by a bank in between. Each conversion eats into something.

Which bank converts the payment makes a difference. Often it is cheaper if you send USD directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

The USD rate changes constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate make a real difference over time.

Getting paid from abroad into a Reinsurance Group of America, Inc. account

Someone abroad who wants to pay you will ask for a few details from you. Give them your name as the bank knows it, the IBAN or account number, the BIC RGARUS44XXX and your address.

It helps to include the bank name and Chesterfield,mo as well, because some payment forms have separate fields for them. Check every detail before you share them.

An incoming payment will not always land for the full amount. Charges on incoming payments vary from bank to bank – the price list of Reinsurance Group of America, Inc. tells you what applies. For business payments, you can agree who bears the costs to avoid a shortfall.