SWIFT Code for ERSPARNISKASSE SPEICHER in Switzerland
ERSCCH21XXX
The primary BIC/SWIFT code for ERSPARNISKASSE SPEICHER in Switzerland is ERSCCH21XXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | ERSPARNISKASSE SPEICHER |
| Bank Address | HAUPTSTRASSE 21 - SPEICHER, APPENZELL AUSSERRHODEN, 9042 |
| City | SPEICHER |
| Postcode | 9042 |
| Country | 🇨🇭 Switzerland |
| Bank Code | ERSC |
| Country Code | CH |
| Location Code | 21 |
| Branch Code | XXX |
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Sending Money to ERSPARNISKASSE SPEICHER in SPEICHER
Follow these three steps to ensure your international wire transfer reaches the correct account at the SPEICHER branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Switzerland, IBANs typically start with the prefix CH.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter ERSCCH21XXX. This unique 11-character identifier ensures the funds are routed specifically to the ERSPARNISKASSE SPEICHER systems in SPEICHER.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Switzerland transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Is ERSCCH21XXX the correct code for all ERSPARNISKASSE SPEICHER branches?
No. While many banks use a "Head Office" code ending in XXX, the code ERSCCH21XXX is specifically assigned to the SPEICHER location. Using this specific 11-character code helps the bank’s automated systems credit the recipient’s account faster than using a generic national code.
Can I use this code for a SEPA transfer to Switzerland?
Yes. If you are sending Euro-denominated funds from another SEPA-member country, you can use this BIC/SWIFT code alongside the recipient’s IBAN. However, most modern European banks only require the IBAN to route SEPA payments automatically.
How long does a transfer to ERSPARNISKASSE SPEICHER usually take?
International transfers to ERSPARNISKASSE SPEICHER using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and Switzerland.
- Local public holidays in Switzerland.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the SPEICHER branch?
Most banks in Switzerland charge an "Incoming Wire Fee" for international transfers. For ERSPARNISKASSE SPEICHER, these fees vary based on the account type but typically range from a small flat fee to a percentage of the total. It is recommended to send funds using the "OUR" instruction if you want the recipient to receive the exact amount sent.
What happens if I use the wrong SWIFT code?
If you use a code for a different branch of ERSPARNISKASSE SPEICHER, the money will usually still arrive but may be delayed by 24–48 hours as it is manually rerouted. If you enter a completely incorrect code, the funds will likely be returned to your account within 5–10 business days, minus any processing fees.
Do I need a ERSPARNISKASSE SPEICHER SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at ERSPARNISKASSE SPEICHER, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code ERSCCH21XXX acts as a digital address for the SPEICHER branch. Without it, the sending bank won’t know which specific institution in Switzerland should receive the funds, which often leads to the transfer being rejected or stuck in "limbo". However, the requirements change slightly depending on where the money is coming from:
- Transfers from outside the EU/EEA (e.g., USA, Canada, India): A SWIFT code is mandatory. You must provide ERSCCH21XXX along with the recipient’s name and IBAN.
- Transfers from within Europe (SEPA): If the sender is in a SEPA-member country, many modern banks only require the IBAN. However, providing the SWIFT code ERSCCH21XXX is still recommended as a backup to ensure the transfer is routed instantly to the SPEICHER branch.
- Domestic Transfers: If you are sending money from another bank inside Switzerland, you typically do not need a SWIFT code; a local account number or IBAN is sufficient.
Pro Tip: Always double-check the 8th and 11th characters. For ERSPARNISKASSE SPEICHER, using the specific branch code ERSCCH21XXX instead of the generic head office code ensures the money hits the correct local ledger in SPEICHER without manual intervention.
SWIFT Codes for main Switzerland banks
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