Sarmaye Bank (P.j.s.c) SWIFT/BIC code

Sarmaye Bank (P.j.s.c) SWIFT code: SRMBIRTH

SRMBIRTH and SRMBIRTHXXX are the short and the long form of the same SWIFT/BIC code, and both point to Sarmaye Bank (P.j.s.c) in Tehran. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money. You will need it mainly for transfers between countries or a currency.

This page is meant to help people who sends money to an account at Sarmaye Bank (P.j.s.c) without mistakes. The BIC identifies a bank or branch, not a single account, which is why you always need the account number too.

A note on our data

The codes here come from publicly available data. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our directory and are not confirmed by Sarmaye Bank (P.j.s.c).

Treat our directory here as a handy check. GoldexPay is independent of Sarmaye Bank (P.j.s.c); we are a comparison site for money transfers. If you notice something that is out of date, we welcome a short note.

Transfer times and tracking a payment to Sarmaye Bank (P.j.s.c)

How quickly a payment reaches Sarmaye Bank (P.j.s.c) is determined by several factors: which currency you send, the number of banks in between, cut-off times and time zones. Payments made after the cut-off time or on weekends and holidays usually go out the next business day. Compliance checks by one of the banks can also cause a delay, regardless of the details.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

Only the sending bank can request a trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference – it helps your own bank look for the money.

Head office or branch code at Sarmaye Bank (P.j.s.c)?

Our directory lists 23 SWIFT/BIC codes for Sarmaye Bank (P.j.s.c). Besides the head office code SRMBIRTHXXX, there are codes for regional offices and specialised units.

For most incoming transfers, the head office code SRMBIRTHXXX is the right choice. Branch codes are only needed if the account holder specifically mentions it.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired over time.

Paying someone abroad from your Sarmaye Bank (P.j.s.c) account

An international bank payment can cost rather more than the fee suggests. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. On GoldexPay you can compare the amount that arrives with different services. Choosing a specialist does not mean closing your account at Sarmaye Bank (P.j.s.c) – you pay the provider from your own account.

What the XXX in SRMBIRTHXXX means

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. The result is SRMBIRTH, the short form of the code.

XXX at the end of SRMBIRTHXXX is not a missing value or a mistake: it indicates the main office of Sarmaye Bank (P.j.s.c). Some forms insist on 11 characters, in which case you simply enter XXX after SRMBIRTH.

As a rule the code is typed in capitals and without spaces. Pasting the code is safer than typing it by hand: a typo can point to another bank.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a request saying that a supplier has a new bank account. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Always confirm a change of bank details through a phone call, using a number you already had. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from straight away and have them start a recall and report the fraud.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference abroad. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Before you send: check the Sarmaye Bank (P.j.s.c) code

Ask the recipient to copy the bank details straight from their banking app. If the code you have differs from SRMBIRTH or SRMBIRTHXXX, do not guess.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees along the way. A mistake in the account number is more serious, so check that just as carefully.

Many banking apps validate the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks compare the payee name against the account. When you pay someone new, many people start with a small test amount.

Getting paid from abroad into a Sarmaye Bank (P.j.s.c) account

To receive a transfer from abroad into your account at Sarmaye Bank (P.j.s.c), the sender needs more than the SWIFT code. What they need is: your name, IBAN or account number, SRMBIRTHXXX or SRMBIRTH and often your home address.

Some sending banks also ask for the name and address of Sarmaye Bank (P.j.s.c), so keep it at hand. Check every detail before you share 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 if the money is converted, a markup on the rate applies. On invoices, it is common to state who bears the costs to avoid a shortfall.