SWIFT Code SPHNAT21 — SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG, HORN

About SWIFT Code SPHNAT21 — SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG, HORN

SWIFT code SPHNAT21 is the official 8-character head-office BIC (Bank Identifier Code) for SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG in HORN, 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 HORN-RAVELSBACH-KIRCHBERG AG for all outward international remittances from HORN. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SPHNAT21

The code SPHNAT21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SPHNAT21

Receiving International Wire Transfers

To receive money from abroad at your SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG account in HORN, share SWIFT code SPHNAT21 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 HORN-RAVELSBACH-KIRCHBERG AG, HORN must provide SWIFT code SPHNAT21. 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 HORN-RAVELSBACH-KIRCHBERG AG in HORN rely on SWIFT code SPHNAT21 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 HORN-RAVELSBACH-KIRCHBERG AG →

For cheque clearing or NACH mandates, use the MICR code for SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG →

For TDS challan deposits, find the BSR code for SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG →

How SWIFT Code SPHNAT21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code SPHNAT21 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 HORN-RAVELSBACH-KIRCHBERG AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SPHNAT21

• Spaces or lowercase letters — Always enter SPHNAT21 uppercase with no spaces.
• Using the wrong city — This code is for HORN 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 SPHNAT21 directly with SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG's HORN branch or via the SWIFT BIC Directory.