_:n2477ac1a50b44ccb8d01acbaeda6e9a0xb14
<http://schema.org/text>
"Yes, for most international transfers, especially within Europe and to countries that adopt IBAN, you will need both the recipient's IBAN and the bank's SWIFT/BIC code. The IBAN helps to identify the specific account for the funds, while the SWIFT/BIC code identifies the bank and its branch where the account is held.\""
<https://qonto.com/en/swift-codes/countries/croatia/zagreb/privredna-banka-zagreb-d-d>