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

SWIFT/BIC code of Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie)

RUDLRUMM and RUDLRUMMXXX are two spellings of the same SWIFT/BIC code, and both point to Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) in Moscow. A SWIFT code tells every bank in the chain exactly which bank should receive the money, much like a postcode for banks. In practice you usually see the code on invoices from abroad, in your banking app and in the bank details of Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) customers.

We wrote this page to help anyone who receives money at an account at Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) without mistakes. The BIC names an institution, not a single account; the IBAN or account number does that.

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

When you transfer money to another country through Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie), the visible fee is only part of what you pay. On top of a fixed fee, banks in between can take a cut, and when currencies are converted, the bank usually applies a rate that is less favourable than the actual market rate.

Banks do not show the margin on the rate as a cost, but you pay it all the same. Compare the rate you are offered against the mid-market rate.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare what recipients receive across providers, which makes the cheapest option easy to spot. Using a transfer service does not mean leaving Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie): you simply pay the service from your account.

Verifying the SWIFT code of Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie)

Have the recipient copy the bank details straight from a recent statement. When the code you were given does not match RUDLRUMM or RUDLRUMMXXX, do not guess.

A wrong SWIFT code can cause a delay, a returned payment or extra fees. Remember the IBAN: a mistake there can be harder to undo than a wrong code.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check on the recipient gives extra certainty. A small test payment can be worth it for a large first payment despite the extra fee.

Which of the 9 codes of Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) do you need?

Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) has 9 different SWIFT/BIC codes across 8 locations. One of them is the head office code, RUDLRUMMXXX; the others belong to branches or departments.

If nobody asks you for a branch code, go with RUDLRUMMXXX or its short form RUDLRUMM. If you have been given a specific code, stick to it rather than replacing it with the head office code.

The safest approach is to take the code directly from the account holder’s invoice. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

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

To receive a transfer from abroad into your account at Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie), the sender has to have not just the SWIFT code. The basics are: the account holder’s name, IBAN or account number, RUDLRUMMXXX or RUDLRUMM and, for some countries, your postal address.

You can include the bank name and its city as well, because some payment forms have separate fields for them. A mistake in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment does not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. Agree with the sender who covers the fees before the money is sent.

A note on our data

We gather SWIFT/BIC codes from publicly available data and check our list regularly. It can happen that a code here is out of date. The figures we show reflect what is in our directory, not official figures from Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie).

Before any payment that matters, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is not affiliated with Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie); we are a comparison site for money transfers. Found an error? Tell us through the contact page and we will look into it.

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

How fast a transfer arrives at Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie) depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or just before weekends and holidays usually start a business day later. Sometimes a bank asks what the payment is for before releasing it.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually provide tracking in their app so you can see how far the money is.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to check your statements to see a partial amount, since fees may have been deducted.

Protect yourself against fake payment requests

Criminals often send fake invoices containing changed bank details, sometimes in an email that looks completely genuine. That RUDLRUMM is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details by phone, using a number you already had. Watch out for time pressure, odd spelling or a sender address that is slightly off. When a payment was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also target the receiver. Someone sends more than agreed and asks you to refund the extra via a different route. A screenshot of a transfer proves nothing.

8 or 11 characters: RUDLRUMM versus RUDLRUMMXXX

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. In this case, that core is RUDLRUMM.

XXX at the end of RUDLRUMMXXX is not a missing value or an error: it indicates the head office of Bank Otkritie Financial Corporation (Public Joint-Stock Company) (Formerly Khanty-Mansiysk Bank Otkritie). Some forms ask for 11 characters, in which case you simply add XXX behind RUDLRUMM.

As a rule the code is written in capitals. A single letter can send the money to a different institution, so check it twice.