SPNKAT21XXX — Sparkasse Neuhofen Bank Aktiengesellschaft
SPNKAT21XXX is the SWIFT/BIC code for Sparkasse Neuhofen Bank Aktiengesellschaft in Neuhofen an der Krems, Austria — an 11-character branch code under ISO 9362.
SPNKAT21XXX is the SWIFT/BIC code for Sparkasse Neuhofen Bank Aktiengesellschaft in Neuhofen an der Krems, Austria. It is an 11-character branch identifier under the ISO 9362 standard.
BIC breakdown (ISO 9362)
| Field | Value |
|---|---|
| Institution | Sparkasse Neuhofen Bank Aktiengesellschaft |
| Country | Austria (AT) |
| Location Code | 21 |
| Branch | None |
| Type | 11-character branch code (BIC11) |
⚠️ Critical Money Transfer Warning (YMYL)
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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 SPNKAT21XXX belong to?
The SWIFT code SPNKAT21XXX identifies Sparkasse Neuhofen Bank Aktiengesellschaft in Neuhofen an der Krems, Austria. This branch code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code SPNKAT21XXX mean?
The 8 or 11 characters of SPNKAT21XXX are parsed as follows: characters 1-4 (SPNK) represent the bank code for Sparkasse Neuhofen Bank Aktiengesellschaft; characters 5-6 (AT) indicate the country code for Austria; characters 7-8 (21) specify the location code; and the final characters (XXX) designate the specific branch.
Is the BIC code SPNKAT21XXX active on the SWIFT network?
Yes, the Business Identifier Code (BIC) SPNKAT21XXX is registered under ISO 9362 and is active for routing interbank messages. Location characters '21' designate it as a primary active participant.
Can I use the head office code SPNKAT21 instead of SPNKAT21XXX?
Yes. The 8-character code SPNKAT21 represents the primary headquarters of Sparkasse Neuhofen Bank Aktiengesellschaft. The 11-character code SPNKAT21XXX targets the specific branch directly. If the branch code is unknown, sending payments to SPNKAT21 (or SPNKAT21XXX) will route them to the main head office.
What routing networks operate with the SPNKAT21XXX code in Austria?
The SWIFT code SPNKAT21XXX is used for international inbound wire transfers in Austria. Austrian banks clear EUR payments via the SEPA directory.
Sources & References
- 🌐 ISO 9362: The official standard defining the Business Identifier Code (BIC) format guidelines.
- 🏢 SWIFT Registration Authority: The organization designated by ISO to register and publish BICs (swift.com).
- 🏦 Oesterreichische Nationalbank (OeNB): Austrian central bank payment directories and routing.