Bank of China (Russia) SWIFT/BIC code

What BKCHRUMM means for a payment to Bank of China (Russia)

The 8-character code BKCHRUMM and the 11-character code BKCHRUMMXXX identify one and the same institution: Bank of China (Russia), with its head office in Moscow. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. You will need it mainly when dealing with transfers between countries and payments in foreign currencies.

On this page we explain how the code is put together, when it matters and what else you need for a transfer to or from Bank of China (Russia). The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN is for.

Tracking a transfer to or from Bank of China (Russia)

How fast a payment arrives at Bank of China (Russia) is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made late in the day or just before weekends and holidays usually start the next business day. Compliance checks by one of the banks can also add some delay, regardless of the details.

When a payment takes longer than expected, ask your bank for the tracking status. Specialist transfer services often provide tracking online showing where the money has got.

A missing payment has to be investigated from the sending side on the basis of the transfer details. Request from the sender a copy of the payment confirmation.

Receiving money from abroad at Bank of China (Russia)

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. In practice that means: your full name as registered with Bank of China (Russia), your account number or IBAN, the BIC BKCHRUMMXXX (or BKCHRUMM) and usually your postal address.

Their bank may also ask for the bank address of Bank of China (Russia); the head office in Moscow is usually fine. Check each detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be less than the amount sent. Intermediary banks may deduct a fee, Bank of China (Russia) may charge for incoming payments, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs, especially for larger amounts.

BKCHRUMM or BKCHRUMMXXX – which one to use?

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and two for the location, plus an optional branch code. For Bank of China (Russia), the 8-character core is BKCHRUMM.

XXX at the end of BKCHRUMMXXX is not a missing value or a mistake: it stands for the head office of Bank of China (Russia). Certain payment forms insist on 11 characters, and then you can add XXX behind BKCHRUMM.

As a rule the code is written in capitals and without spaces. A single character can send a payment to a different institution, so check it twice.

Protect yourself against fake payment requests

Fraudsters often use fake invoices with new bank details, sometimes in an email that looks completely genuine. The fact that BKCHRUMM exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Check new payment details through a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure or requests to keep it quiet are warning signs – a real supplier can wait a day. If money was sent to a fraudster, contact your bank immediately.

Fraud also target the receiver. Someone sends more than agreed and wants you to refund the extra. A screenshot of a transfer proves nothing – check your own account.

Where our SWIFT data comes from

This directory draws on public sources and is updated regularly. Banks reorganise, close branches and change codes – a directory can be a step behind. The figures on this page are based on our own data, not official figures from Bank of China (Russia).

Treat our data as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Bank of China (Russia); we are a comparison site for money transfers. Found outdated information? Let us know through the contact page so we can correct it.

International transfers from Bank of China (Russia): the real cost

The price of an international transfer has several parts – not just the fee on your screen. 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 below the actual market rate.

The markup on the rate is often the largest item because it is hidden in the rate. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. GoldexPay lists transfer providers side by side, showing what actually arrives. Choosing a specialist does not require closing your account at Bank of China (Russia) – you pay the provider from your own account.

Bank of China (Russia): head office code versus branch codes

We have 3 SWIFT/BIC codes for Bank of China (Russia). Besides the head office code BKCHRUMMXXX, there are codes for individual branches and departments.

For most incoming transfers, the head office code BKCHRUMMXXX is what you need. A branch code only makes sense if the recipient’s bank specifically asks for it.

When in doubt, check with the recipient which code their bank gave them. Codes for branches are more likely to be retired than BKCHRUMMXXX when a bank merges or closes offices.

Is BKCHRUMM still correct? How to check

The best place to find the right code remains a document from the bank itself. If the code you have differs from BKCHRUMM or BKCHRUMMXXX, stop and ask.

Errors in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Do not forget the IBAN: a mistake there can be more difficult to undo than a wrong code.

Many banking apps validate the structure of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks compare the payee name with the account; take any warning seriously. For a first payment, some people start with a small test amount.