Detailed Guide: Using RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. SWIFT Code for Global Transfers
When dealing with international finance, precision is paramount. The RZKTAT2K491 Business Identifier Code (BIC) is the exclusive digital signature for RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. located in Bad Sankt Leonhard im Lavanttal. Without this precise string of characters, your international wire transfer could be delayed, routed to the wrong intermediary, or returned with significant banking fees.
1. Understanding the 11-Character Logic
The code RZKTAT2K491 is not a random sequence. It follows a strict ISO-9362
hierarchy that tells the global financial system exactly where your money needs to land:
- RZKT: The Bank Code representing RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. globally.
- AT: The Country Code, identifying that the bank is regulated under Austria laws.
- 2K: The Location Code, usually pointing to the Bad Sankt Leonhard im Lavanttal hub.
- 491: The Branch Code, specifying this exact physical office.
2. How to Receive Money in Bad Sankt Leonhard im Lavanttal
If you are a resident or business owner in Bad Sankt Leonhard im Lavanttal, you must provide the following information to your international sender. For transactions involving RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H., ensure these fields are filled accurately in the MT103 (SWIFT Message Type):
| Field Name | Required Value |
|---|---|
| Beneficiary Name | Your Full Legal Name |
| Account Number | IBAN or Regional Account Format |
| BIC/SWIFT | RZKTAT2K491 |
| Destination Bank | RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. |
| Branch Location | Bad Sankt Leonhard im Lavanttal, Austria |
3. Potential Fees & Intermediary Banking
It is important to note that a transfer to RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. might not be direct. Depending on the relationship between your sender's bank and the AT banking system, an "Intermediary Bank" might be involved. These banks may deduct a "Handling Fee" ranging from $15 to $50. Always ask your sender to choose the OUR instruction if they wish to cover all costs, or SHA to share the fees with you.
4. Frequently Asked Questions (Verified Answers)
What happens if I use the Head Office SWIFT instead of the Bad Sankt Leonhard im Lavanttal branch code?
In most cases, RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. will
automatically route the funds to your account based on your Account Number/IBAN. However,
using the local RZKTAT2K491 is recommended for faster processing
and lower risk of manual intervention.
Is RZKTAT2K491 the same as a Routing Number?
No. Routing numbers are primarily used for domestic transfers within the USA. For international transfers to Austria, the SWIFT code is the standard identifier used by the global banking network.
How can I verify if this code is still active?
The code RZKTAT2K491 for
RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H. is part of the latest directory update. We
periodically refresh our database to ensure all codes for Bad Sankt Leonhard im Lavanttal are compliant
with current financial standards.
Note: Financial data changes. While RZKTAT2K491 is
verified for RAIFFEISENBANK OBERES LAVANTTAL REG.GEN.M.B.H., always perform a small test transfer for high-value
transactions. This resource is for educational purposes regarding the banking infrastructure in
Bad Sankt Leonhard im Lavanttal, Austria.