SWIFT Code SPBRAT2B — SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT, BREGENZ

About SWIFT Code SPBRAT2B — SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT, BREGENZ

SWIFT code SPBRAT2B is the official 8-character head-office BIC (Bank Identifier Code) for SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT in BREGENZ, 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 SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT for all outward international remittances from BREGENZ. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SPBRAT2B

The code SPBRAT2B follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SPBRAT2B

Receiving International Wire Transfers

To receive money from abroad at your SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT account in BREGENZ, share SWIFT code SPBRAT2B 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 SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT, BREGENZ must provide SWIFT code SPBRAT2B. 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 SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT in BREGENZ rely on SWIFT code SPBRAT2B 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 SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT →

For cheque clearing or NACH mandates, use the MICR code for SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT →

For TDS challan deposits, find the BSR code for SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT →

How SWIFT Code SPBRAT2B Routes an International Transfer

1. Initiation: The sender provides SWIFT code SPBRAT2B 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 SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SPBRAT2B

• Spaces or lowercase letters — Always enter SPBRAT2B uppercase with no spaces.
• Using the wrong city — This code is for BREGENZ 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 SPBRAT2B directly with SPARKASSE BREGENZ BANK AKTIENGESELLSCHAFT's BREGENZ branch or via the SWIFT BIC Directory.