Ak Bars Bank SWIFT/BIC code

Ak Bars Bank SWIFT code: ARRSRU2K

Whether you are given ARRSRU2K or ARRSRU2KXXX, it is the same identifier for Ak Bars Bank in Russia. Banks worldwide use these codes to route international transfers to the correct bank. You will need it mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page we explain how the code means, when it matters and which other details a transfer to or from Ak Bars Bank requires. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN .

8 or 11 characters: ARRSRU2K versus ARRSRU2KXXX

The layout of a BIC never changes: four characters for the institution, two for the country and two for the location. The result is ARRSRU2K for Ak Bars Bank.

XXX at the end of ARRSRU2KXXX does not stand for a placeholder or an error: it indicates the main office of Ak Bars Bank. Some banking apps insist on 11 characters, in which case you simply enter XXX after ARRSRU2K.

Type the code as one block, in capitals and without separators. A single letter may route a payment to another bank, so copy it carefully.

Tracking a transfer to or from Ak Bars Bank

How quickly a transfer reaches Ak Bars Bank depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in the sending or receiving country add a day or more. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference so they can trace it along the chain. Save the payment confirmation until the money has arrived.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

What to give a sender who pays you at Ak Bars Bank

For an international payment into your account at Ak Bars Bank, the person paying you needs not just the SWIFT code. Share the account holder’s name, the IBAN or account number, the BIC ARRSRU2KXXX and your address.

You can add the bank name and Kazan too, since some forms ask for it. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Money from abroad will not always arrive for the full amount. Charges on incoming payments vary from bank to bank. On invoices, it is common to state how the fees are split.

Paying someone abroad from your Ak Bars Bank account

When you transfer money to another country from Ak Bars Bank, the visible fee is rarely all of the cost. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate: the bank converts at a rate that includes a margin. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare what arrives via GoldexPay. Choosing a specialist does not mean closing your account at Ak Bars Bank.

Scams that use SWIFT codes

Stay alert if a contact unexpectedly wants you to pay into another account or a bank in another country. That ARRSRU2K is a real code is no guarantee that a request mentioning it is genuine.

Check changed bank details via a separate channel, such as a phone number you already know, not by replying to the message. Watch out for time pressure, unusual wording or an email address that differs by one letter. When money has already gone to the wrong account, contact your bank immediately.

Recipients are targeted too: a classic trick is an overpayment followed by a request to refund the difference abroad. Do not act before the money is actually in your account and check with Ak Bars Bank if anything seems off.

Verifying the SWIFT code of Ak Bars Bank

The best place to find the right code is a document from the bank itself, such as a statement or the account details in online banking. If the code you have does not match ARRSRU2K or ARRSRU2KXXX, stop and ask – contact the recipient or Ak Bars Bank.

A wrong SWIFT code may lead to delays, a returned payment or additional charges. An error in the IBAN or account number is a bigger problem; check it just as carefully.

Many banking apps check the structure of IBANs and some suggest the matching BIC. Some banks now check the payee name with the account before you confirm – do not ignore a mismatch warning. For a first payment, many people start with a small amount first.

A note on our data

The codes here come from public sources that we update regularly. Banks merge, change names and change codes – a directory can be a step behind. The number of codes on this page reflect what is in our directory and not on information from Ak Bars Bank itself.

Treat the information here as a handy check, and let the details from the recipient or Ak Bars Bank have the final say. GoldexPay has no connection to Ak Bars Bank, we only compare transfer services. Should you notice something that is out of date, we appreciate a message.

Choosing between the 16 SWIFT codes of Ak Bars Bank

Ak Bars Bank uses 16 separate SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments, and sometimes specific services.

In most cases there is no need to pick a branch: payments sent to ARRSRU2KXXX reach Ak Bars Bank without problems. A branch code only makes sense if the recipient’s bank specifically mentions it.

The best way is to take the code straight from the account holder’s statement. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.