JSC 'vtb Bank Georgia' SWIFT/BIC code

JSC 'vtb Bank Georgia' SWIFT code: UGEBGE22

Whether you are given UGEBGE22 or UGEBGE22XXX, you are looking at the identical address for JSC 'vtb Bank Georgia' in Georgia. Every bank on the SWIFT network uses BIC codes to direct international transfers to the right bank. You will need it mainly when dealing with payments that cross a border and payments in foreign currencies.

Further down we go through the practical side: receiving money at JSC 'vtb Bank Georgia', sending money abroad and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN .

How to check UGEBGE22 before you pay

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. Compare it with UGEBGE22 on this page; if they differ, ask before you pay.

If the code is wrong, the transfer may get stuck, be returned or end up costing more, and tracing it can take weeks. Do not forget the IBAN: an error there is more difficult to correct than a wrong BIC.

Most online banking apps check the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the payee name against the account before you confirm; take any warning seriously. A small test payment can be a sensible step for large sums.

Paying someone abroad from your JSC 'vtb Bank Georgia' account

A bank transfer abroad costs rather more than the listed fee. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

Many banks rarely show their exchange rate markup separately, but you pay it all the same. Compare their rate against the mid-market rate – the rate you find on financial news sites.

Money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay lists these services next to each other so you can see what actually arrives. You can still keep your account at JSC 'vtb Bank Georgia', while a cheaper service handles the conversion.

Incoming international payments to JSC 'vtb Bank Georgia'

Someone abroad who wants to pay you will ask for a few details about your account. That means: your name as registered with JSC 'vtb Bank Georgia', your IBAN or account number, the SWIFT/BIC code UGEBGE22XXX (or UGEBGE22) and usually your postal address.

Their bank may request the bank address of JSC 'vtb Bank Georgia'. Double-check every detail before you send them.

An incoming payment does not always arrive in full. Fees for incoming transfers vary per bank; check the price list of JSC 'vtb Bank Georgia'. On invoices, you can state how the fees are split to avoid a shortfall.

8 or 11 characters: UGEBGE22 versus UGEBGE22XXX

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. For JSC 'vtb Bank Georgia', the 8-character core is UGEBGE22.

Most banks and apps work with either length. If a form requires eleven characters, enter UGEBGE22XXX, otherwise UGEBGE22 is fine.

Do not add spaces when you enter UGEBGE22. Watch for the letter O and the digit 0 and I versus 1; they are easy to mix up.

About this information

We gather SWIFT/BIC codes from publicly available data and check them from time to time. It can happen that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes come from our own dataset.

Treat our data as a reference, rather than as the final word – the bank details from the recipient are leading. We are an independent comparison service and not part of JSC 'vtb Bank Georgia'. Found an error? Let us know through the contact page.

Which of the 20 codes of JSC 'vtb Bank Georgia' do you need?

JSC 'vtb Bank Georgia' has 20 different SWIFT/BIC codes. Only one is the head office code; the others identify branches, and sometimes specific services.

In most cases you do not need to look up a branch: payments addressed to UGEBGE22XXX reach JSC 'vtb Bank Georgia' without problems. When you receive a specific code, use it as it is rather than swapping it with the head office code.

The safest route is to copy the code directly from the recipient’s bank details. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.

Transfer times and tracking a payment to JSC 'vtb Bank Georgia'

A SWIFT payment usually needs anywhere from one to several business days. Payments made late in the day or just before weekends and holidays often go out the next business day. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact your bank for the tracking status and the transaction reference so they can trace it along the chain. Specialist transfer services often provide tracking in their app showing how far the payment is.

If the money does not arrive after a few business days, the person who paid needs to start with their own bank rather than JSC 'vtb Bank Georgia'. On the receiving end, it helps to check your statements to see a slightly lower amount.

Scams that use SWIFT codes

Stay wary when a contact unexpectedly asks you to send money to a different account abroad. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify new bank details through a different channel, such as a phone number you already know. Urgency or secrecy tend to be warning signs. If money has already gone to the wrong account, call your bank right away.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference abroad. Do not act before the money has really arrived – ask JSC 'vtb Bank Georgia' if something looks wrong.