Bank Otkritie Financial Corporation (Public Joint-Stock Company) SWIFT/BIC code

What JSNMRUMM means for a payment to Bank Otkritie Financial Corporation (Public Joint-Stock Company)

JSNMRUMM and JSNMRUMMXXX are two spellings of the same bank identifier, and both point to Bank Otkritie Financial Corporation (Public Joint-Stock Company) in Moscow. The code does one job: it makes sure that money from abroad reaches the right bank. In daily life you usually see it on invoices from abroad, in your banking app and in the bank details of Bank Otkritie Financial Corporation (Public Joint-Stock Company) customers.

On this page you can read what the code means, when it matters and what else a transfer to or from Bank Otkritie Financial Corporation (Public Joint-Stock Company) requires. A SWIFT code identifies an institution, never a single account.

How to check JSNMRUMM before you pay

Have the recipient copy their bank details straight from their online banking. If the code you have does not match JSNMRUMM or JSNMRUMMXXX, stop and ask: check with the recipient or with Bank Otkritie Financial Corporation (Public Joint-Stock Company) directly.

Errors in the SWIFT code are costly rather than fatal – usually the money comes back, minus fees and time lost. An error in the account number is a bigger problem, so check that just as carefully.

Most online banking apps check the format of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a payee name check before sending adds extra certainty. Sending a small amount first is worth it for a large first payment despite the extra fee.

Getting paid from abroad into a Bank Otkritie Financial Corporation (Public Joint-Stock Company) account

A sender in another country will ask for several details from you, and missing ones are a common cause of delays. What they need is: your name, account number or IBAN, JSNMRUMMXXX and, for some countries, your postal address.

You can include Bank Otkritie Financial Corporation (Public Joint-Stock Company) and Moscow as well. A typo in the IBAN can be more trouble than it looks; copy them from your banking app rather than typing.

An incoming payment does not always land for the full amount. Fees for incoming transfers differ per bank – the price list of Bank Otkritie Financial Corporation (Public Joint-Stock Company) tells you what applies. On invoices, it is common to state who bears the costs, so that nobody is left short.

What the XXX in JSNMRUMMXXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. The result is JSNMRUMM for Bank Otkritie Financial Corporation (Public Joint-Stock Company).

XXX at the end of JSNMRUMMXXX is not a missing value or an error: it indicates the main office of Bank Otkritie Financial Corporation (Public Joint-Stock Company). Some banking apps insist on 11 characters, and then you simply add XXX behind JSNMRUMM.

Enter the code as one block, in upper case and without separators, exactly as shown here. Copying the code is safer than typing it by hand.

What a transfer from Bank Otkritie Financial Corporation (Public Joint-Stock Company) abroad really costs

An international bank payment costs more than the listed fee. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

That exchange rate margin is often the largest cost, and it is easy to miss. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services frequently offer rates closer to the mid-market rate. Next time you send money, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not mean leaving Bank Otkritie Financial Corporation (Public Joint-Stock Company).

Tracking a transfer to or from Bank Otkritie Financial Corporation (Public Joint-Stock Company)

How fast a transfer reaches Bank Otkritie Financial Corporation (Public Joint-Stock Company) is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Occasionally a bank asks what the payment is for before releasing it.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique reference, the UETR that banks can use to trace it. Money transfer services often provide a status online showing how far the payment has got.

The bank that sent the money can request a trace. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

About this information

The codes on this page are taken from publicly available data which we refresh regularly. It is possible that information here is out of date after a merger or reorganisation. Figures such as the number of codes come from our directory and may differ from what Bank Otkritie Financial Corporation (Public Joint-Stock Company) publishes.

Treat this page as a reference, rather than as the final word: the recipient’s bank details come first. GoldexPay is an independent comparison service and not affiliated with Bank Otkritie Financial Corporation (Public Joint-Stock Company). If you notice a mistake, we appreciate a short note via the contact page.

Head office or branch code at Bank Otkritie Financial Corporation (Public Joint-Stock Company)?

Bank Otkritie Financial Corporation (Public Joint-Stock Company) has 12 separate SWIFT/BIC codes across 11 locations. One of them is the head office code; the others identify branches, and sometimes internal departments.

If nobody asks you for a branch code, use JSNMRUMMXXX. A branch code only makes sense if the recipient’s bank explicitly asks for it.

Unsure which code to use? Check with the recipient or the bank itself. Branch codes are more likely to change than JSNMRUMMXXX.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message saying that a supplier has new bank details and asking you to pay there from now on. The fact that JSNMRUMM exists is no guarantee that the account is legitimate.

Check new payment details via a different channel, not by replying to the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, call your bank right away.

Scams can also target the receiver. Someone sends more than agreed and wants you to refund the difference via a different route. A screenshot of a transfer proves nothing; only your own account shows what has arrived.