RATHGB2L — RATHBONES INVESTMENT MANAGEMENT LTD
RATHGB2L is the SWIFT/BIC code for RATHBONES INVESTMENT MANAGEMENT LTD in LIVERPOOL, United Kingdom — an 8-character head-office code under ISO 9362.
BIC breakdown (ISO 9362)
| Field | Value |
|---|---|
| Institution | RATHBONES INVESTMENT MANAGEMENT LTD |
| Country | United Kingdom (GB) |
| Location Code | 2L |
| Branch | None |
| Type | 8-character head-office code (BIC8) |
⚠️ Critical Money Transfer Warning (YMYL)
Verify the BIC with your beneficiary bank: Database records are informational only. swiftbic.org is not affiliated with SWIFT. Always verify the SWIFT/BIC code and name of the beneficiary with the receiving bank or official registration records before initiating any international wire transfer.
Common Mistakes: Do not confuse the SWIFT/BIC code (identifies the bank branch) with the IBAN (identifies the specific bank account). Using an incorrect branch suffix or a deactivated code can result in payments being returned, delayed, or subject to significant administrative return fees.
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Frequently asked questions
What bank does the SWIFT code RATHGB2L belong to?
The SWIFT code RATHGB2L identifies RATHBONES INVESTMENT MANAGEMENT LTD in LIVERPOOL, United Kingdom. This head office code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code RATHGB2L mean?
The 8 or 11 characters of RATHGB2L are parsed as follows: characters 1-4 (RATH) represent the bank code for RATHBONES INVESTMENT MANAGEMENT LTD; characters 5-6 (GB) indicate the country code for United Kingdom; characters 7-8 (2L) specify the location code; and the final characters (—) designate the specific branch.
Is RATHGB2L a valid SWIFT/BIC code?
RATHGB2L is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for RATHBONES INVESTMENT MANAGEMENT LTD in LIVERPOOL, United Kingdom. Our directory records come from an open community compilation last updated in 2024, so listing is not confirmation of current status — SWIFT does not publish a free live status feed. Always confirm the code with the beneficiary bank before sending funds.
What is the physical address of the bank registered to RATHGB2L?
The physical address registered for RATHGB2L is: 4 PIER HEAD, L3 1DP, LIVERPOOL, United Kingdom. Verify this address matches your recipient's branch details before initiating a transaction.
What is the difference between an 8-character and an 11-character BIC?
An 8-character BIC (BIC8) identifies an institution's primary head office, while an 11-character BIC (BIC11) specifies a distinct branch or department. Appending 'XXX' to RATHGB2L forms the conventional head-office branch suffix; both formats route validly on the network.
Can I use the head office code RATHGB2L to reach any branch of RATHBONES INVESTMENT MANAGEMENT LTD?
Yes. RATHGB2L is the primary 8-character head office code for RATHBONES INVESTMENT MANAGEMENT LTD. When a specific branch BIC is unknown, payments directed to RATHGB2L (or RATHGB2LXXX) route to the central head office for internal distribution.
Do I need an IBAN as well as RATHGB2L?
SWIFT codes like RATHGB2L identify the bank institution, while IBANs (ISO 13616) identify the individual customer account. Within SEPA (ECB SEPA), IBANs are sufficient for routing; outside SEPA, both SWIFT BIC and account number are typically required.
What happens if I use the wrong SWIFT/BIC code?
Using an incorrect code can delay transfers, cause payment returns, or route funds to an incorrect institution. Correspondent banks along the route may charge return processing fees, and currency conversion losses may occur. Always verify details with the beneficiary.
How long does a payment using RATHGB2L take to arrive?
International SWIFT wires typically settle within 1 to 5 business days, depending on time zones, clearing cut-offs, correspondent hops (BIS CPMI), and compliance checks.
Why does my payment need an intermediary or correspondent bank?
When sending and receiving banks lack direct clearing accounts, transfers route through intermediary correspondent banks (BIS CPMI) that maintain shared Nostro/Vostro accounts. Each hop may deduct a handling fee.
Is RATHGB2L the same as a domestic clearing code in United Kingdom?
No. RATHGB2L is an international ISO 9362 SWIFT BIC. Domestic transfers in United Kingdom clear through undefined under [object Object] oversight (primary currency: GBP). SWIFT BICs route cross-border transactions.
How current is the information on this page?
This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.
What should I do before sending money to this bank?
Confirm the exact BIC and account details directly with your beneficiary, verify beneficiary bank name match, and beware of invoice fraud. Reference directories are for verification support.
Sources & References
- 🌐 ISO 9362:2022: International standard for Business Identifier Codes (ISO OBP).
- 🌐 ISO 13616-1: International Bank Account Number specifications (ISO OBP).
- 🏢 SWIFT Registration Authority: Designated ISO 9362 registration authority (swift.com).
- 🇪🇺 European Central Bank (ECB): SEPA clearing framework and standards (ECB SEPA).
- 🇪🇺 European Payments Council (EPC): SEPA rulebooks and guidelines (EPC).
- 🏦 Bank for International Settlements (BIS): CPMI cross-border payments standards (BIS CPMI).
- 🏛️ US Treasury OFAC: Financial sanctions and wire compliance oversight (US Treasury).
- 📂 swiftbic.org Data Register: Record-level provenance and dataset coverage (Data Sources).
- 🌐 World Bank Group: Payment Systems and Remittances overview (World Bank).
- 💻 Open Community BIC Compilation: MIT-licensed community repository (br99bry/swift-bank-codes).