Question 1

What is the SWIFT code for Sparkasse Horn-Ravelsbach-Kirchberg AG?

Accepted Answer

The SWIFT/BIC code for Sparkasse Horn-Ravelsbach-Kirchberg AG is SPHNAT21. This 8-character code identifies the bank in international wire transfers and is registered with SWIFT (Society for Worldwide Interbank Financial Telecommunication).

Question 2

How do I send an international wire transfer to Sparkasse Horn-Ravelsbach-Kirchberg AG?

Accepted Answer

To send money internationally to Sparkasse Horn-Ravelsbach-Kirchberg AG, provide your bank with the SWIFT/BIC code SPHNAT21 (Horn, Austria) along with the recipient's full IBAN. Your bank will route the transfer via the SWIFT network.

Question 3

Is Sparkasse Horn-Ravelsbach-Kirchberg AG a SEPA member?

Accepted Answer

Yes, Sparkasse Horn-Ravelsbach-Kirchberg AG is a SEPA (Single Euro Payments Area) member. Euro transfers within the SEPA zone can be processed as fast, low-cost SEPA Credit Transfers using the recipient's IBAN — no SWIFT fees required for intra-SEPA payments.

Question 4

What does the BIC code SPHNAT21 mean?

Accepted Answer

In the BIC code SPHNAT21: "SPHN" is the institution code identifying Sparkasse Horn-Ravelsbach-Kirchberg AG, "AT" is the ISO 3166-1 country code for Austria, and "21" is the location code indicating the bank's city or timezone zone.

SPHNAT21

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