SWIFT Code BYLADEM1AOE — KREISSPARKASSE ALTOETTING (ALT), ALTOETTING

About SWIFT Code BYLADEM1AOE — KREISSPARKASSE ALTOETTING (ALT), ALTOETTING

SWIFT code BYLADEM1AOE is the official 11-character branch-specific BIC (Bank Identifier Code) for KREISSPARKASSE ALTOETTING (ALT) in ALTOETTING, Germany. 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 KREISSPARKASSE ALTOETTING (ALT) for all outward international remittances from ALTOETTING. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code BYLADEM1AOE

The code BYLADEM1AOE follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code BYLADEM1AOE

Receiving International Wire Transfers

To receive money from abroad at your KREISSPARKASSE ALTOETTING (ALT) account in ALTOETTING, share SWIFT code BYLADEM1AOE 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 KREISSPARKASSE ALTOETTING (ALT), ALTOETTING must provide SWIFT code BYLADEM1AOE. 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 KREISSPARKASSE ALTOETTING (ALT) in ALTOETTING rely on SWIFT code BYLADEM1AOE 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 KREISSPARKASSE ALTOETTING (ALT) →

For cheque clearing or NACH mandates, use the MICR code for KREISSPARKASSE ALTOETTING (ALT) →

For TDS challan deposits, find the BSR code for KREISSPARKASSE ALTOETTING (ALT) →

How SWIFT Code BYLADEM1AOE Routes an International Transfer

1. Initiation: The sender provides SWIFT code BYLADEM1AOE 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 KREISSPARKASSE ALTOETTING (ALT).
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: KREISSPARKASSE ALTOETTING (ALT) receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code BYLADEM1AOE

• Spaces or lowercase letters — Always enter BYLADEM1AOE uppercase with no spaces.
• Using the wrong city — This code is for ALTOETTING 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 Germany.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm BYLADEM1AOE directly with KREISSPARKASSE ALTOETTING (ALT)'s ALTOETTING branch or via the SWIFT BIC Directory.