SWIFT Code ESBCHR22 — ERSTE AND STEIERMAERKISCHE BANK D.D., RIJEKA

About SWIFT Code ESBCHR22 — ERSTE AND STEIERMAERKISCHE BANK D.D., RIJEKA

SWIFT code ESBCHR22 is the official 8-character head-office BIC (Bank Identifier Code) for ERSTE AND STEIERMAERKISCHE BANK D.D. in RIJEKA, Croatia. 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 ERSTE AND STEIERMAERKISCHE BANK D.D. for all outward international remittances from RIJEKA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code ESBCHR22

The code ESBCHR22 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code ESBCHR22

Receiving International Wire Transfers

To receive money from abroad at your ERSTE AND STEIERMAERKISCHE BANK D.D. account in RIJEKA, share SWIFT code ESBCHR22 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 ERSTE AND STEIERMAERKISCHE BANK D.D., RIJEKA must provide SWIFT code ESBCHR22. 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 ERSTE AND STEIERMAERKISCHE BANK D.D. in RIJEKA rely on SWIFT code ESBCHR22 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 ERSTE AND STEIERMAERKISCHE BANK D.D. →

For cheque clearing or NACH mandates, use the MICR code for ERSTE AND STEIERMAERKISCHE BANK D.D. →

For TDS challan deposits, find the BSR code for ERSTE AND STEIERMAERKISCHE BANK D.D. →

How SWIFT Code ESBCHR22 Routes an International Transfer

1. Initiation: The sender provides SWIFT code ESBCHR22 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 ERSTE AND STEIERMAERKISCHE BANK D.D..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: ERSTE AND STEIERMAERKISCHE BANK D.D. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code ESBCHR22

• Spaces or lowercase letters — Always enter ESBCHR22 uppercase with no spaces.
• Using the wrong city — This code is for RIJEKA 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 Croatia.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm ESBCHR22 directly with ERSTE AND STEIERMAERKISCHE BANK D.D.'s RIJEKA branch or via the SWIFT BIC Directory.