SWIFT / BIC Code
SPHNAT21
Sparkasse Horn-Ravelsbach-Kirchberg AG
SPHNAT21 is the BIC (SWIFT code) of Sparkasse Horn-Ravelsbach-Kirchberg AG, registered in Horn. Its bank code is 20221, the code an IBAN at Sparkasse Horn-Ravelsbach-Kirchberg AG carries in positions 5 to 9. Its IBANs are 20 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from Sparkasse Horn-Ravelsbach-Kirchberg AG
Prefilled with an illustrative Sparkasse Horn-Ravelsbach-Kirchberg AG IBAN, not a real account. Paste any IBAN from Austria to check it.
BIC Breakdown
SPHN: institution identifier (4 letters)
AT: country code per ISO 3166-1
21: location code (city / timezone)
Bank Details
Payments it can receive
Sparkasse Horn-Ravelsbach-Kirchberg AG's participation in the European payment schemes, from the EPC register of participants.
Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.
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IBAN format for 🇦🇹 Austria
Austria IBANs are 20 characters long.
Frequently Asked Questions
What is the SWIFT code for Sparkasse Horn-Ravelsbach-Kirchberg AG?
SPHNAT21. Written with the head-office branch code it is SPHNAT21XXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does SPHNAT21 mean?
"SPHN" identifies Sparkasse Horn-Ravelsbach-Kirchberg AG, "AT" is the country code for Austria, "21" is the location code.
What is Sparkasse Horn-Ravelsbach-Kirchberg AG's bank code?
20221. It is the bank code in positions 5 to 9 of an IBAN from Austria. The OeNB SEPA directory lists it.
How long are Sparkasse Horn-Ravelsbach-Kirchberg AG IBANs?
20 characters, like every IBAN from Austria: the country code AT, two check digits, the bank code (5 digits, 20221 for Sparkasse Horn-Ravelsbach-Kirchberg AG) and the account number (11 digits).
Can I send an instant transfer to Sparkasse Horn-Ravelsbach-Kirchberg AG?
Yes. The European Payments Council lists Sparkasse Horn-Ravelsbach-Kirchberg AG in SEPA Instant Credit Transfer since 21 November 2017, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does Sparkasse Horn-Ravelsbach-Kirchberg AG confirm the payee's name?
Yes. It answers Verification of Payee requests (since 15 July 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.
Where is Sparkasse Horn-Ravelsbach-Kirchberg AG's registered office?
Kirchenplatz 12, 3580 Horn, according to GLEIF. The European Payments Council lists Kirchenplatz 12, Horn as its address.