Avtovazbank Joint-Stock Company SWIFT/BIC code

Avtovazbank Joint-Stock Company SWIFT code: AVBKRU3T

Whether you are given AVBKRU3T or AVBKRU3TXXX, it is the same address for Avtovazbank Joint-Stock Company in Russia. Banks worldwide use BIC codes to route international transfers to the correct bank. You will need it mainly for payments that cross a border or a currency.

This page is meant to help anyone who receives money at an account at Avtovazbank Joint-Stock Company and wants to get the details right. The SWIFT code alone does not identify an individual account holder; that is what the account number or IBAN is for.

When will the money arrive at Avtovazbank Joint-Stock Company?

There is no single answer for international payments: many land within a day, others take several business days. Bank holidays in either country can add extra days. Sometimes a bank asks what the payment is for.

Many banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR. Save the payment confirmation.

If a payment has not arrived within the expected time, the person who paid needs to start with their own bank rather than Avtovazbank Joint-Stock Company. On the receiving end, it helps to look at your account to see a partial amount because fees can reduce the amount.

How up to date is this code?

We collect bank codes from public sources and update them regularly. It can happen that a code on this page is out of date, for example after a merger. The number of codes we show are based on what is in our directory, not official figures from Avtovazbank Joint-Stock Company.

Treat the information on this page as a handy check and rely on the recipient or Avtovazbank Joint-Stock Company for the final confirmation. GoldexPay is not affiliated with Avtovazbank Joint-Stock Company, we only compare transfer services. Spotted outdated information? Tell us via our contact form.

What a transfer from Avtovazbank Joint-Stock Company abroad really costs

When you send money to another country via Avtovazbank Joint-Stock Company, the visible fee is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank usually uses a rate below the actual market rate.

The markup on the rate tends to be the biggest item. Compare the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For a lot of routes, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay we compare what recipients receive across providers. Choosing a specialist does not require leaving Avtovazbank Joint-Stock Company – you pay the provider from your own account.

Getting paid from abroad into a Avtovazbank Joint-Stock Company account

When you expect money from abroad, send the payer a complete set of details. Share your name as the bank knows it, the IBAN or account number, the BIC AVBKRU3TXXX and your address.

Certain sending banks also ask for the bank’s address in Togliatti, so keep it at hand. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. For business payments, it is common to agree how the fees are split, so that nobody is left short.

Changed bank details? Be careful

Stay wary if a contact suddenly asks you to send money to a different account. A correct SWIFT code tells you nothing about whether the request is genuine.

Before paying, confirm changed bank details by phone, using a number you already had. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. If money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: one known trick is an overpayment followed by a request to send back the difference. Do not act before the money is actually in your account and check with Avtovazbank Joint-Stock Company if anything seems off.

Head office or branch code at Avtovazbank Joint-Stock Company?

Avtovazbank Joint-Stock Company has 10 separate SWIFT/BIC codes across 9 cities. Only one is the head office code; the rest identify branches, and sometimes specific services.

Unless the recipient tells you otherwise, go with AVBKRU3TXXX. Branch codes are only needed when the recipient’s bank specifically mentions it, which is more common for business accounts and specialised services.

The safest approach is to take the code straight from the account holder’s invoice. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Why Avtovazbank Joint-Stock Company has an 8- and an 11-character code

The layout of a BIC never changes: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. For Avtovazbank Joint-Stock Company, the 8-character core is AVBKRU3T.

Most banks and apps work with either length. If a form asks for eleven characters, enter AVBKRU3TXXX, otherwise AVBKRU3T is fine.

Enter the code as one block, in capitals and without separators. Watch for the letter O and the digit 0 or I versus 1, a common source of typos.

How to check AVBKRU3T before you pay

Ask the recipient to send you the account details straight from a recent statement. Check that code with AVBKRU3T on this page and ask if anything does not match.

With a wrong code, the payment might get stuck, be returned or cost extra – sometimes after weeks of searching. An error in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the payee name against the account. For a first payment, many people send a small amount first and wait for confirmation.