Karafarin Bank SWIFT/BIC code

What KBIDIRTH means for a payment to Karafarin Bank

If an invoice shows KBIDIRTH or KBIDIRTHXXX, it is the identical identifier for Karafarin Bank in Iran. A BIC does one job: it ensures that an international payment reaches the right bank. You will need it mainly when dealing with payments that cross a border and payments in foreign currencies.

This page is meant to help anyone who sends money to an account at Karafarin Bank without mistakes. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Is KBIDIRTH still correct? How to check

The best place to find the right code remains a document from the bank itself. Check it with KBIDIRTH here; if they differ, ask before you pay.

Mistakes in the SWIFT code are annoying rather than disastrous: often the payment comes back, minus fees. An error in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

A validity check in your banking app only tells you that the code is valid – not that it belongs to the person you mean to pay. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be worth it for large sums.

Which of the 11 codes of Karafarin Bank do you need?

Karafarin Bank uses 11 separate SWIFT/BIC codes across 5 cities. Only one is the head office code; the rest identify branches or departments.

Usually there is no need to pick a branch: transfers addressed to KBIDIRTHXXX are routed within Karafarin Bank without problems. Branch codes are only needed if the recipient’s bank specifically asks for it.

The safest route is to take the code directly from the recipient’s statement. Branch codes are sometimes changed or retired over time.

Tracking a transfer to or from Karafarin Bank

How quickly a transfer arrives at Karafarin Bank is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on a weekend or public holiday usually start a business day later. Extra checks by one of the banks may also add some delay, regardless of the details.

If a transfer seems late, ask your bank about the status and the transaction reference; with that reference banks can see where the payment is. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

The bank that sent the money is able to start an official trace. On the receiving end, you can look at your account for a slightly lower amount.

Paying someone abroad from your Karafarin Bank account

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. There is the transfer fee, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

Many banks do not show the margin on the rate as a cost, but you pay it all the same. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites.

Specialised transfer providers often use a rate near the mid-market rate. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets before you commit. Using a transfer service does not require leaving Karafarin Bank: you simply pay the service from your account.

What to give a sender who pays you at Karafarin Bank

To receive an international payment into your account at Karafarin Bank, the person paying you needs more than the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code KBIDIRTHXXX (or KBIDIRTH) and sometimes your postal address.

Some sending banks want the address of Karafarin Bank, so keep it at hand. Double-check every detail before you send them.

An incoming payment does not always arrive for the full amount. Charges on incoming payments differ per bank; check the price list of Karafarin Bank. Make clear with the sender who covers the fees, especially for larger amounts.

Protect yourself against fake payment requests

Criminals often use fake invoices containing new bank details, sometimes in an email that looks completely genuine. The fact that KBIDIRTH exists does not mean that the account is legitimate – fraudsters use real bank codes as well.

Always confirm changed bank details by phone on a number you know, not one from the message. Pressure and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. When money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams can also target the receiver. Someone claims to have sent more than agreed and wants you to return the extra via a different route. Do not act before the money is actually in your account and check with Karafarin Bank if anything seems off.

KBIDIRTH or KBIDIRTHXXX – which one to use?

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. The result is KBIDIRTH.

XXX at the end of KBIDIRTHXXX is not a placeholder or an error: it stands for the head office of Karafarin Bank. Some banking apps insist on 11 characters, and then you can enter XXX after KBIDIRTH.

As a rule the code is typed in capitals. Pasting the code is safer than retyping it, because one wrong letter changes the bank.

How up to date is this code?

Our SWIFT/BIC directory is compiled from publicly available sources and we update it periodically. It can happen that a code on this page is out of date after a merger or reorganisation. The figures on this page reflect what is in our directory, not official figures from Karafarin Bank.

Use our data as a reference, rather than as the last word. GoldexPay is not affiliated with Karafarin Bank, we only compare transfer services. Should you notice a mistake, we appreciate a short note.