Bank Kholmsk, Joint-Stock Company SWIFT/BIC code

Bank Kholmsk, Joint-Stock Company SWIFT code: KHZARU99

The short code KHZARU99 and the 11-character code KHZARU99XXX refer to the same bank: Bank Kholmsk, Joint-Stock Company. A SWIFT code tells every bank in the chain which institution should receive the money, a bit like a postal address for banks. In practice you usually come across it on invoices from abroad, in payment forms and on the account details that Bank Kholmsk, Joint-Stock Company provides.

On this page you can read what the code means, when you need it and what else you need for a transfer to or from Bank Kholmsk, Joint-Stock Company. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .

Why Bank Kholmsk, Joint-Stock Company has an 8- and an 11-character code

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. Together, those parts make up KHZARU99 – the version you usually see online.

The 11-character version has three more characters for a branch or department. When those three characters are XXX, the code points to the head office, so KHZARU99XXX and KHZARU99 are interchangeable.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Pasting the code beats typing it by hand.

Getting paid from abroad into a Bank Kholmsk, Joint-Stock Company account

If you are waiting for a payment from another country, give the sender all details at once. The basics are: the account holder’s name, IBAN or account number, KHZARU99XXX and often your postal address.

The sender’s bank might also ask for the address of your bank, in which case the Kholmsk head office is the usual answer. Check every detail before you share them, because the sender’s bank usually copies them as is.

Money from abroad will not always land in full. Fees for incoming transfers differ from bank to bank – the price list of Bank Kholmsk, Joint-Stock Company tells you what applies. For business payments, it is common to agree who bears the costs, so that nobody is left short.

Is KHZARU99 still correct? How to check

Ask the recipient to copy their bank details straight from their online banking. Check it against KHZARU99 on this page.

With a wrong code, the payment may be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there is harder to correct than a wrong code.

An automatic check in your banking app only tells you that the code is valid. Some banks now compare the payee name with the account. For a first payment, some people send a small amount first before sending the rest.

Paying someone abroad from your Bank Kholmsk, Joint-Stock Company account

The price of an international transfer has 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 currencies are converted the bank often uses a rate that is less favourable than the real market rate.

That exchange rate margin is often the biggest item because it is hidden in the rate. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate with clearer fees. GoldexPay lists transfer providers next to each other so you can see what actually arrives before you commit. Using a transfer service does not mean leaving Bank Kholmsk, Joint-Stock Company – you pay the provider from your own account.

Bank Kholmsk, Joint-Stock Company: head office code versus branch codes

Our directory lists 2 SWIFT/BIC codes for Bank Kholmsk, Joint-Stock Company. Besides the head office code KHZARU99XXX, you will find codes for regional offices and specialised units.

For most incoming transfers, the head office code KHZARU99XXX is what you need. A branch code only makes sense when the recipient’s bank explicitly mentions it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

Tracking a transfer to or from Bank Kholmsk, Joint-Stock Company

There is no fixed answer for international payments: many arrive within a day 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. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Every payment carries a unique transaction reference, the UETR. Money transfer services usually show tracking in their app showing how far the money is.

The bank that sent the money is able to request a trace or a recall. Ask the sender for the payment receipt including the reference.

About this information

We gather SWIFT/BIC codes from public sources and check our list regularly. It is possible that information here is no longer current, for example after a merger. Figures such as the number of codes are from our own dataset and may differ from what Bank Kholmsk, Joint-Stock Company publishes.

See our directory on this page as a helpful check, and let the details from the recipient or Bank Kholmsk, Joint-Stock Company have the final say. GoldexPay is a comparison service for money transfers and not part of Bank Kholmsk, Joint-Stock Company. Spotted an error? Let us know via our contact form.

Changed bank details? Be careful

Stay wary when a contact suddenly wants you to pay into a different account abroad. That KHZARU99 is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Do not trust contact details in the same message that announces the new account. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. If a payment has already gone to a fraudster, call your bank right away.

Fraud also work the other way. Someone claims to have sent more than agreed and asks you to return the extra to a new account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.