JSC 'bank Expocredit' SWIFT/BIC code

JSC 'bank Expocredit' SWIFT code: ABNAKZKX

ABNAKZKX and ABNAKZKXXXX are the short and the long form of the same SWIFT/BIC code, and both point to JSC 'bank Expocredit' in Almaty. Every bank on the SWIFT network uses BIC codes to direct international transfers to the right bank. In daily life you mostly come across it on invoices from abroad, in your banking app and on the account details that JSC 'bank Expocredit' provides.

On this page you will find how the code means, when it matters and which other details you need for a transfer to or from JSC 'bank Expocredit'. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Transfer times and tracking a payment to JSC 'bank Expocredit'

How fast a payment arrives at JSC 'bank Expocredit' is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in the sending or receiving country can add extra days. Compliance checks by one of the banks can also add some delay, regardless of the details.

Many banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the recipient confirms.

If a payment has not arrived after a few business days, the person who paid should start with their own bank rather than JSC 'bank Expocredit'. Ask the sender for the payment receipt – it helps your own bank look for the money.

JSC 'bank Expocredit': head office code versus branch codes

With 3 codes in 3 locations, JSC 'bank Expocredit' belongs to the banks that use separate codes for branches and departments. The main code is ABNAKZKXXXX.

For the vast majority of incoming transfers, the head office code ABNAKZKXXXX works fine. If you have been given a specific code, stick to it rather than replacing it for the head office code.

The best way is to take the code straight from the account holder’s invoice. Codes for branches are more prone to be retired than the head office code.

A note on our data

The directory on GoldexPay is compiled from public sources and we update it periodically. Institutions merge, close branches and change codes – a directory can be a step behind. Counts and locations come from our directory and may differ from what JSC 'bank Expocredit' publishes.

See the information on this page as a handy check. We are an independent comparison site and not part of JSC 'bank Expocredit'. Should you notice something that is out of date, we welcome a short note.

Why JSC 'bank Expocredit' has an 8- and an 11-character code

The layout of a BIC never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. That gives you ABNAKZKX, the short form of the code.

XXX at the end of ABNAKZKXXXX is not a missing value or an error: it indicates the head office of JSC 'bank Expocredit'. Some banking apps insist on 11 characters, and then you simply add XXX after ABNAKZKX.

Leave out spaces when you type ABNAKZKX; the code is always written in one block. Look out for O versus 0 or I versus 1; they are easy to mix up.

Watch out for payment fraud

One of the most common tricks goes like this: you receive a request claiming that a supplier now has a new bank account and asking you to pay there from now on. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Verify changed bank details via a different channel, not by replying to the message. Pressure and requests to keep it quiet tend to be red flags. If a payment has already gone to the wrong account, contact your bank immediately.

Scams can also target the receiver. Someone claims to have sent too much and asks you to return the difference via a different route. Wait until the money is actually in your account – ask JSC 'bank Expocredit' if something looks wrong.

Receiving money from abroad at JSC 'bank Expocredit'

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. In practice that means: your name as registered with JSC 'bank Expocredit', your IBAN or account number, the BIC ABNAKZKXXXX and, often, your postal address.

The sender’s bank might request the bank address of JSC 'bank Expocredit'. Check the details before you send them.

Expect that the incoming amount is below what the sender paid. Correspondent banks can take a fee, JSC 'bank Expocredit' may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who covers the fees.

Paying someone abroad from your JSC 'bank Expocredit' account

What you pay for a payment abroad is made up of several parts, and the transfer fee is only the most visible one. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

Many banks do not show their exchange rate markup as a cost. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Money transfer services often use rates closer to the mid-market rate. Next time you send money, take a minute comparing the total cost via GoldexPay rather than accepting the bank’s rate by default. You can still use your account at JSC 'bank Expocredit'.

Is ABNAKZKX still correct? How to check

Have the recipient copy the bank details directly from a recent statement. Compare that code with ABNAKZKX on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause delays, a returned payment or extra fees along the way. Do not forget the IBAN: an error there can be more difficult to correct than a wrong code.

A format check in your banking app merely tells you that the code is valid. Some banks now check the payee name with the account before you confirm – do not ignore a mismatch warning. For a first payment, some people send a small amount first.