SPHNAT21XXX is the SWIFT/BIC code for Sparkasse Horn-ravelsbach-kirchberg Ag in Horn, Austria. Check the bank name, city, branch and address before sending an international wire transfer.
SPHNAT21XXX is a SWIFT/BIC code entry for Sparkasse Horn-ravelsbach-kirchberg Ag in Austria. This bank code helps international payment networks identify the receiving bank, country, location and branch before funds are routed.
Use SPHNAT21XXX when a transfer instruction points to Sparkasse Horn-ravelsbach-kirchberg Ag in Horn, Austria or a branch handled through this code.
SPHNAT21XXX is a SWIFT/BIC code entry for Sparkasse Horn-ravelsbach-kirchberg Ag in Austria. This bank code helps international payment networks identify the receiving bank, country, location and branch before funds are routed.
SPHNAT21XXX
BIC and SWIFT code usually describe the same routing identifier.
SPHN identifies SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG.
Most international transfers require more than one field. The SWIFT/BIC code works together with recipient account details, bank address and payment purpose.
| Transfer field | Example for this page | Why it matters |
|---|---|---|
| SWIFT / BIC Code | SPHNAT21XXX | Routes the international payment to the correct receiving bank or branch. |
| Bank name | SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG | Confirms the institution named in the transfer instruction. |
| City | HORN | Helps distinguish one branch location from another. |
| Branch | Head office | Identifies the final branch after the bank receives the payment. |
Understanding each segment helps users confirm whether the code points to the right bank, country, location and branch.
| Segment | Meaning | What it identifies |
|---|---|---|
| SPHN | Bank code | SPARKASSE HORN-RAVELSBACH-KIRCHBERG AG |
| AT | Country code | Austria |
| 21 | Location code | HORN |
| XXX | Branch code | Head office |
Nearby entries from the same bank help users choose the correct city or branch before making a transfer.
| SWIFT/BIC | City | Branch | Details |
|---|---|---|---|
| SPHNAT21 | HORN | Head office | View details |
Search phrases users often use before choosing the exact SWIFT/BIC record.
SWIFT / BIC Code
Bank name
Country
City / Branch
Quick answers for users who arrive from SWIFT code, BIC code or international wire transfer searches.
SPHNAT21XXX is a 11-character SWIFT/BIC code. Match it with the receiving bank instruction before sending money.
Large banks may use different branch codes by city, branch or payment-processing center. Compare the city and branch fields carefully.
Disclaimer: SWIFT/BIC information is provided for reference only. Always verify transfer details with the receiving bank before making an international payment.