SWIFT Code SPSPAT21 — SPARKASSE NIEDEROESTERREICH MITTE WEST AG, ST. POELTEN

About SWIFT Code SPSPAT21 — SPARKASSE NIEDEROESTERREICH MITTE WEST AG, ST. POELTEN

SWIFT code SPSPAT21 is the official 8-character head-office BIC (Bank Identifier Code) for SPARKASSE NIEDEROESTERREICH MITTE WEST AG in ST. POELTEN, 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 NIEDEROESTERREICH MITTE WEST AG for all outward international remittances from ST. POELTEN. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SPSPAT21

The code SPSPAT21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SPSPAT21

Receiving International Wire Transfers

To receive money from abroad at your SPARKASSE NIEDEROESTERREICH MITTE WEST AG account in ST. POELTEN, share SWIFT code SPSPAT21 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 NIEDEROESTERREICH MITTE WEST AG, ST. POELTEN must provide SWIFT code SPSPAT21. 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 NIEDEROESTERREICH MITTE WEST AG in ST. POELTEN rely on SWIFT code SPSPAT21 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 NIEDEROESTERREICH MITTE WEST AG →

For cheque clearing or NACH mandates, use the MICR code for SPARKASSE NIEDEROESTERREICH MITTE WEST AG →

For TDS challan deposits, find the BSR code for SPARKASSE NIEDEROESTERREICH MITTE WEST AG →

How SWIFT Code SPSPAT21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code SPSPAT21 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 NIEDEROESTERREICH MITTE WEST AG.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SPARKASSE NIEDEROESTERREICH MITTE WEST AG receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SPSPAT21

• Spaces or lowercase letters — Always enter SPSPAT21 uppercase with no spaces.
• Using the wrong city — This code is for ST. POELTEN 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 SPSPAT21 directly with SPARKASSE NIEDEROESTERREICH MITTE WEST AG's ST. POELTEN branch or via the SWIFT BIC Directory.