RAIFCH22985 — RAIFFEISEN SCHWEIZ GENOSSENSCHAFT

The SWIFT code RAIFCH22985 identifies RAIFFEISEN SCHWEIZ GENOSSENSCHAFT in ST. GALLEN, Switzerland. This branch code is used for cross-border payments and SWIFT network routing.

The 8 or 11 characters of RAIFCH22985 are parsed as follows: characters 1-4 (RAIF) represent the bank code for RAIFFEISEN SCHWEIZ GENOSSENSCHAFT; characters 5-6 (CH) indicate the country code for Switzerland; characters 7-8 (22) specify the location code; and the final characters (985) designate the specific branch.

RAIFCH22985 is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for RAIFFEISEN SCHWEIZ GENOSSENSCHAFT in ST. GALLEN, Switzerland. Our directory records for this country combine official registry data with an open community compilation, 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.

The physical address registered for RAIFCH22985 is: RAIFFEISENPLATZ 4, 9001, ST. GALLEN, Switzerland. Verify this address matches your recipient's branch details before initiating a transaction.

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 RAIFCH22 forms the conventional head-office branch suffix; both formats route validly on the network.

RAIFCH22985 identifies the 985 branch of RAIFFEISEN SCHWEIZ GENOSSENSCHAFT in ST. GALLEN, Switzerland. The branch code characters '985' target this specific clearing node directly within RAIFFEISEN SCHWEIZ GENOSSENSCHAFT's branch network.

SWIFT codes like RAIFCH22985 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.

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.

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.

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.

No. RAIFCH22985 is an international ISO 9362 SWIFT BIC. Domestic transfers in Switzerland clear through undefined under [object Object] oversight (primary currency: CHF). SWIFT BICs route cross-border transactions.

This record is sourced from SIX Interbank Clearing (June 2026 release) and open community data. For full data provenance, see our Data Sources Register.

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.