Tbc Bank SWIFT/BIC code

SWIFT/BIC code of Tbc Bank

If an invoice shows TBCBGE22 or TBCBGE22XXX, it is the same identifier for Tbc Bank in Georgia. Banks worldwide use these codes to route payments between countries to the correct bank. In practice you mostly come across it on international invoices, in payment forms and on the account details that Tbc Bank provides.

On this page you can read what the code is put together, when you need it and what else you need for a transfer to or from Tbc Bank. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number .

Which of the 14 codes of Tbc Bank do you need?

We have 14 SWIFT/BIC codes for Tbc Bank, spread over 7 locations. Besides the head office code TBCBGE22XXX, there are codes for individual branches and departments.

Usually there is no need to look up a branch: transfers sent to TBCBGE22XXX are routed within Tbc Bank correctly. Branch codes are only needed when the recipient’s bank explicitly asks for it.

The safest approach is to copy the code directly from the account holder’s statement. Codes for branches are more likely to be retired than TBCBGE22XXX when a bank merges or closes offices.

What the XXX in TBCBGE22XXX means

A SWIFT code is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that indicate the location. The result is TBCBGE22 for Tbc Bank.

XXX at the end of TBCBGE22XXX does not stand for a missing value or an error: it indicates the head office of Tbc Bank. Some forms insist on 11 characters, and then you simply add XXX behind TBCBGE22.

Type the code as one block, in capitals and without spaces, exactly as shown here. A single character can send a payment to another bank.

International transfers from Tbc Bank: the real cost

If you transfer money to another country through Tbc Bank, the visible fee is only part of the cost. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

The markup on the rate tends to be the largest cost. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service is less expensive than a bank. Before your next transfer, take a minute to compare what arrives via GoldexPay. Using a transfer service does not require closing your account at Tbc Bank – you pay the provider from your own account.

Changed bank details? Be careful

One of the most common tricks goes like this: an email arrives with a request saying that a contact now has new bank details and asking you to pay there from now on. A valid SWIFT code says nothing about whether the request is genuine.

Do not rely on contact details from the same email that announces the new account. Watch out for time pressure, odd spelling or an email address that differs by one letter. When money was sent to a fraudster, call your bank right away.

Scams also work the other way. Someone sends more than agreed and wants you to refund the difference. Wait until the money has really arrived – ask Tbc Bank if something looks wrong.

Where our SWIFT data comes from

The details here come from publicly available data that we update regularly. Banks reorganise, change names and retire codes. The number of codes on this page are based on what is in our directory and not on information from Tbc Bank itself.

Treat our data as a reference, not as the final word: the recipient’s bank details come first. GoldexPay is an independent comparison service for money transfers and not affiliated with Tbc Bank. Spotted an error? Tell us via our contact form and we will look into it.

When will the money arrive at Tbc Bank?

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or just before weekends and holidays often go out a business day later. Sometimes a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi. Each gpi transfer carries a unique reference, the UETR. Money transfer services usually show a status in their app showing where the payment is.

The bank that sent the money is able to start an official trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender a copy of the payment confirmation including the reference.

Incoming international payments to Tbc Bank

To receive a transfer from abroad into your account at Tbc Bank, the sender has to have more than the SWIFT code. The basics are: the account holder’s name, IBAN or account number, TBCBGE22XXX or TBCBGE22 and in many cases your postal address.

The sender’s bank may also ask for the address of your bank. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than what was sent. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

Verifying the SWIFT code of Tbc Bank

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account details in online banking. Check it with TBCBGE22 here and ask if anything does not match.

An incorrect BIC can cause a delay, a returned payment or extra fees. An error in the account number is a bigger problem because it can reach the wrong person.

An automatic check in your banking app merely confirms that the code exists, not that it is the right account. Some banks now compare the payee name against the account before you confirm. When you pay someone new, many people start with a small amount first.