SWIFT/BIC codes in Kyrgyzstan

Kyrgyzstan: banks and their SWIFT/BIC codes

Our directory lists 26 banks and other institutions in Kyrgyzstan. A SWIFT code tells the banks handling a transfer which institution should receive an international payment.

Choose a bank below to view its head office code and any branch codes, plus practical notes for sending and receiving money. Below the list we explain how codes from Kyrgyzstan are built, how to send money there at a fair price and what to check before you pay.

The largest SWIFT network in Kyrgyzstan: Amanbank (Joint-Stock Russian-Kyrgyz Amanbank)

Amanbank (Joint-Stock Russian-Kyrgyz Amanbank) tops our list for Kyrgyzstan when it comes to the number of SWIFT/BIC codes. The head office uses AJRAKG22XXX – the code most transfers need.

Many codes often means that the bank registers branches and departments separately. Making a payment to Amanbank (Joint-Stock Russian-Kyrgyz Amanbank)? Use AJRAKG22XXX except when the recipient gives you a branch code.

Bank or transfer service for Kyrgyzstan?

When you send money to Kyrgyzstan with your bank, the fee you see is rarely all of the cost. On top of the fee, correspondent banks may take a cut, and when the money is converted the bank often uses a less favourable rate than the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee – the bank builds a margin into its rate. A simple test: set the offered rate against the mid-market rate and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. Before you send money to Kyrgyzstan, it is worth to compare the total cost on GoldexPay.

Tracking a payment to Kyrgyzstan

An international transfer to Kyrgyzstan usually needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before weekends and holidays usually go out a business day later.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR that banks can use to see where the money is. Save your transfer receipt until the recipient confirms.

Verifying a SWIFT code from Kyrgyzstan

The best place to find the right code is a document from the bank itself, such as a statement or the account page in online banking. An incorrect BIC may lead to delays, a payment being sent back or extra fees – compare it with the code in our list.

This list is compiled from public sources. Even so, banks merge or change codes. Treat our data as a starting point, not as the final word. We are a comparison site for money transfers.

Scammers regularly use payment requests carrying new bank details that look completely genuine. Always confirm a change of bank details by phone, using a number you already had.

What a sender needs to pay you in Kyrgyzstan

Someone abroad who wants to pay you will ask for several details about your account – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Your bank’s code is in the list on this page but always compare it with your own bank details. It helps to add your bank’s name and city because some forms have separate fields for it.

The amount you receive is often less than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. Agree with the sender who covers the fees before the money is sent.

Why a transfer to Kyrgyzstan needs a SWIFT code

Since Kyrgyzstan is outside SEPA, a transfer from abroad is usually sent as a SWIFT payment. This means you always need the BIC of the recipient’s bank in addition to the account details.

Depending on the country, accounts are identified by a local account number rather than an IBAN, sometimes with an extra bank or branch code. Ask the recipient exactly which details their bank requires for payments from abroad. SWIFT payments can pass through one or more intermediary banks.

Recognising a SWIFT code from Kyrgyzstan

Every SWIFT/BIC code consists of 8 or 11 characters, always in the same order. The first four letters stand for the bank, the fifth and sixth characters form the country code and the next two give the location.

No matter which bank, every code from Kyrgyzstan have the same country code in positions five and six, namely the ISO code of Kyrgyzstan. A code with other letters in that position come from another country – a quick way to catch mistakes.

The long version adds three characters for a branch, where XXX means the head office. For most transfers the head office code is what you need, unless the recipient gives you a branch code.