JSC 'cartu Bank' SWIFT/BIC code

What CRTUGE22 means for a payment to JSC 'cartu Bank'

Whether you are given CRTUGE22 or CRTUGE22XXX, it is the identical address for JSC 'cartu Bank' in Georgia. Every bank on the SWIFT network uses these codes to direct payments between countries to the correct institution. It comes up mainly when dealing with transfers between countries and payments in foreign currencies.

Further down you will find the practical questions: receiving money at JSC 'cartu Bank', paying someone in another country and how to check the code before you hit send. Remember that the BIC just identifies the bank, not the account: the account number or IBAN takes care of that.

Why JSC 'cartu Bank' has an 8- and an 11-character code

A BIC is built from a few fixed parts: the first four letters identify the bank, characters five and six show the country and the two after that mark the location. In this case, the 8-character core is CRTUGE22.

The long version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, so CRTUGE22XXX and CRTUGE22 are interchangeable.

Do not add spaces when you enter CRTUGE22; the code is always written in one block. Look out for O versus 0 and the letter I and the digit 1, a common source of typos.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a message claiming that a supplier now has new bank details and that the next payment should go there. That CRTUGE22 is a real code does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm changed bank details through a phone call, using a number you already had. Watch out for time pressure, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and ask them to start a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference. Wait until the money has really arrived and check with JSC 'cartu Bank' if anything seems off.

Tracking a transfer to or from JSC 'cartu Bank'

How fast a payment arrives at JSC 'cartu Bank' is determined by a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country add a day or more to the journey. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique transaction reference, the UETR. Save your transfer receipt; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the sender needs to start with their own bank rather than JSC 'cartu Bank'. On the receiving end, you can check your account for a slightly lower amount.

Receiving money from abroad at JSC 'cartu Bank'

For a transfer from abroad at JSC 'cartu Bank', the sender has to have more than the SWIFT code. Give them the account holder’s name, your account number or IBAN, the BIC CRTUGE22XXX and your address.

It helps to include the bank name and its city as well, because some payment forms have separate fields for them. A typo in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of JSC 'cartu Bank'. Make clear with the sender who covers the fees.

How up to date is this code?

The codes on this page are taken from public sources that we update regularly. It is possible that a code here is no longer current. Figures such as the number of codes are from our own dataset.

Use this page as a reference, rather than as the last word – the bank details from the recipient are leading. GoldexPay is independent of JSC 'cartu Bank'. If you notice something that is out of date, we welcome a short note via the contact page.

Verifying the SWIFT code of JSC 'cartu Bank'

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check it with CRTUGE22 here and ask if anything does not match.

If the code is wrong, the transfer might be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the IBAN: an error there can be harder to undo than a wrong code.

Most online banking apps validate the structure of IBANs and some suggest the matching BIC – that confirms the format, not the owner. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is worth it for large sums despite the extra fee.

Which of the 4 codes of JSC 'cartu Bank' do you need?

JSC 'cartu Bank' uses 4 separate SWIFT/BIC codes across 3 cities. Only one is the head office code, CRTUGE22XXX; the others identify branches.

Unless the recipient tells you otherwise, use CRTUGE22XXX or its short form CRTUGE22. Only use a branch code when your contact explicitly asks for it.

Not sure which code applies? Check with the recipient or the bank itself. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Paying someone abroad from your JSC 'cartu Bank' account

A bank transfer abroad costs more than the fee suggests. You pay the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate if the currency changes.

The real cost is often in the rate: many banks convert at a rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

Money transfer services often use a rate near the mid-market rate. GoldexPay compares the amount that arrives across providers, which makes the cheapest option easy to spot. You can still use your account at JSC 'cartu Bank', while a cheaper service handles the conversion.