SPSCAT22 — Sparkasse Schwaz AG
SPSCAT22 is the SWIFT/BIC code for Sparkasse Schwaz AG in Schwaz, Austria — an 8-character head-office code under ISO 9362.
SPSCAT22 is the SWIFT/BIC code for Sparkasse Schwaz AG in Schwaz, Austria. It is an 8-character head-office identifier under the ISO 9362 standard.
BIC breakdown (ISO 9362)
| Field | Value |
|---|---|
| Institution | Sparkasse Schwaz AG |
| Country | Austria (AT) |
| Location Code | 22 |
| Branch | None |
| Type | 8-character head-office code (BIC8) |
⚠️ 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 SPSCAT22 belong to?
The SWIFT code SPSCAT22 identifies Sparkasse Schwaz AG in Schwaz, Austria. This head office code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code SPSCAT22 mean?
The 8 or 11 characters of SPSCAT22 are parsed as follows: characters 1-4 (SPSC) represent the bank code for Sparkasse Schwaz AG; characters 5-6 (AT) indicate the country code for Austria; characters 7-8 (22) specify the location code; and the final characters (—) designate the specific branch.
Is the BIC code SPSCAT22 active on the SWIFT network?
Yes, the Business Identifier Code (BIC) SPSCAT22 is registered under ISO 9362 and is active for routing interbank messages. Location characters '22' designate it as a primary active participant.
Can I use the head office code SPSCAT22 instead of SPSCAT22?
Yes. The 8-character code SPSCAT22 represents the primary headquarters of Sparkasse Schwaz AG. The 11-character code SPSCAT22 targets the head office directly. If the branch code is unknown, sending payments to SPSCAT22 (or SPSCAT22XXX) will route them to the main head office.
What is the physical address of the bank registered to SPSCAT22?
The physical address registered for SPSCAT22 is: Franz-Josef-Strasse 8-10, 6130, Schwaz, Austria. Verify this address matches your recipient's branch details before initiating a transaction.
What routing networks operate with the SPSCAT22 code in Austria?
The SWIFT code SPSCAT22 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.