SWIFT Code ZABAHR2XOSI — ZAGREBACKA BANKA DD, OSIJEK

About SWIFT Code ZABAHR2XOSI — ZAGREBACKA BANKA DD, OSIJEK

SWIFT code ZABAHR2XOSI is the official 11-character branch-specific BIC (Bank Identifier Code) for ZAGREBACKA BANKA DD in OSIJEK, 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 ZAGREBACKA BANKA DD for all outward international remittances from OSIJEK. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code ZABAHR2XOSI

The code ZABAHR2XOSI follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code ZABAHR2XOSI

Receiving International Wire Transfers

To receive money from abroad at your ZAGREBACKA BANKA DD account in OSIJEK, share SWIFT code ZABAHR2XOSI 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 ZAGREBACKA BANKA DD, OSIJEK must provide SWIFT code ZABAHR2XOSI. 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 ZAGREBACKA BANKA DD in OSIJEK rely on SWIFT code ZABAHR2XOSI 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 ZAGREBACKA BANKA DD →

For cheque clearing or NACH mandates, use the MICR code for ZAGREBACKA BANKA DD →

For TDS challan deposits, find the BSR code for ZAGREBACKA BANKA DD →

How SWIFT Code ZABAHR2XOSI Routes an International Transfer

1. Initiation: The sender provides SWIFT code ZABAHR2XOSI 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 ZAGREBACKA BANKA DD.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: ZAGREBACKA BANKA DD receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code ZABAHR2XOSI

• Spaces or lowercase letters — Always enter ZABAHR2XOSI uppercase with no spaces.
• Using the wrong city — This code is for OSIJEK 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 ZABAHR2XOSI directly with ZAGREBACKA BANKA DD's OSIJEK branch or via the SWIFT BIC Directory.