SWIFT Code KSPKAT2KVIL — KAERNTNER SPARKASSE AG, VILLACH

About SWIFT Code KSPKAT2KVIL — KAERNTNER SPARKASSE AG, VILLACH

SWIFT code KSPKAT2KVIL is the official 11-character branch-specific BIC (Bank Identifier Code) for KAERNTNER SPARKASSE AG in VILLACH, Austria. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by KAERNTNER SPARKASSE AG for all outward international remittances from VILLACH. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code KSPKAT2KVIL

The code KSPKAT2KVIL follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code KSPKAT2KVIL

Receiving International Wire Transfers

To receive money from abroad at your KAERNTNER SPARKASSE AG account in VILLACH, share SWIFT code KSPKAT2KVIL with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at KAERNTNER SPARKASSE AG, VILLACH must provide SWIFT code KSPKAT2KVIL. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using KAERNTNER SPARKASSE AG in VILLACH rely on SWIFT code KSPKAT2KVIL for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for KAERNTNER SPARKASSE AG →

For cheque clearing or NACH mandates, use the MICR code for KAERNTNER SPARKASSE AG →

For TDS challan deposits, find the BSR code for KAERNTNER SPARKASSE AG →

How SWIFT Code KSPKAT2KVIL Routes an International Transfer

1. Initiation: The sender provides SWIFT code KSPKAT2KVIL and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to KAERNTNER SPARKASSE AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: KAERNTNER SPARKASSE AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code KSPKAT2KVIL

• Spaces or lowercase letters — Always enter KSPKAT2KVIL uppercase with no spaces.
• Using the wrong city — This code is for VILLACH only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Austria.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm KSPKAT2KVIL directly with KAERNTNER SPARKASSE AG's VILLACH branch or via the SWIFT BIC Directory.