JSC 'bank Centercredit' SWIFT/BIC code

SWIFT/BIC code of JSC 'bank Centercredit'

KCJBKZKX and KCJBKZKXXXX are the short and the long form of the same bank identifier, and both point to JSC 'bank Centercredit' in Almaty. A SWIFT code shows the banks handling a payment exactly which bank should receive the money, much like a postcode for banks. In daily life you usually see it on international invoices, in payment forms and on the account details of JSC 'bank Centercredit' customers.

We wrote this page to help anyone who pays into an account at JSC 'bank Centercredit' and wants to get the details right. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN .

Scams that use SWIFT codes

A common scam goes like this: an email arrives with a request claiming that a company now has new bank details. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank straight away and ask them to try to recall the payment.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer is no proof.

A note on our data

We collect SWIFT/BIC codes using public sources and update our list regularly. Banks reorganise, close branches and retire codes. The number of codes we show reflect our own data.

See our directory on this page as a helpful check. GoldexPay is independent of JSC 'bank Centercredit'; we are a comparison site for money transfers. If you notice something that is out of date, we welcome a short note via the contact page.

Getting paid from abroad into a JSC 'bank Centercredit' account

To receive a transfer from abroad into your account at JSC 'bank Centercredit', the person paying you needs not just the SWIFT code. That means: your name exactly as it appears on the account, your IBAN or account number, the BIC KCJBKZKXXXX (or KCJBKZKX) and sometimes your address.

It helps to add JSC 'bank Centercredit' and Almaty too, because some payment forms have separate fields for them. Check each detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive is often lower than the amount sent. Fees for incoming transfers differ per bank. Make clear with the sender who covers the fees.

What the XXX in KCJBKZKXXXX means

A SWIFT code is made up of a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that mark the location. Combined, those parts form KCJBKZKX.

Many payment forms work with both lengths. If yours asks for eleven characters, enter KCJBKZKXXXX; if it wants eight, use KCJBKZKX.

Do not add spaces, dots when you enter KCJBKZKX or KCJBKZKXXXX. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

Is KCJBKZKX still correct? How to check

The best place to find the correct BIC remains paperwork issued by the bank. When the code you were given does not match KCJBKZKX or KCJBKZKXXXX, do not guess: check with the recipient or with JSC 'bank Centercredit' directly.

Errors in the BIC are costly more than disastrous. Do not forget the account number: a mistake there is harder to undo than a wrong BIC.

Many banking apps check the format of an IBAN – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives an extra layer of safety. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

Paying someone abroad from your JSC 'bank Centercredit' account

When you send money abroad from JSC 'bank Centercredit', the visible fee is only part of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. Compare their rate with the mid-market rate. The difference is your real conversion cost.

Money transfer services often offer rates closer to the mid-market rate. GoldexPay compares transfer providers next to each other so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not require leaving JSC 'bank Centercredit' – you pay the provider from your own account.

When will the money arrive at JSC 'bank Centercredit'?

There is no fixed answer for every transfer: some arrive the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments can also add some delay.

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

A delayed transfer has to be traced from the sending side on the basis of the transfer details. On the receiving end, it helps to check your account to see a partial amount, since fees may have been deducted.

Which of the 20 codes of JSC 'bank Centercredit' do you need?

JSC 'bank Centercredit' uses 20 different SWIFT/BIC codes across 18 locations. Only one is the head office code, KCJBKZKXXXX; the rest identify branches or departments, and sometimes specific services.

Unless the recipient tells you otherwise, go with KCJBKZKXXXX or its short form KCJBKZKX. A branch code only makes sense when the recipient’s bank explicitly asks for it.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are more prone to change than KCJBKZKXXXX.