Commercial Bank 'rba' (Limited Liability Company) SWIFT/BIC code

SWIFT/BIC code of Commercial Bank 'rba' (Limited Liability Company)

The short code IRBARU22 and the full code IRBARU22XXX refer to the same bank: Commercial Bank 'rba' (Limited Liability Company) in Moscow, Russia. Banks worldwide use BIC codes to route international transfers to the correct institution. In daily life you mostly see it on invoices from abroad, in your banking app and in the bank details that Commercial Bank 'rba' (Limited Liability Company) provides.

Further down we go through the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number is for.

Where our SWIFT data comes from

The codes on this page come from public sources that we update regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes come from our own dataset.

See our directory on this page as a handy check, and let the details from the recipient or Commercial Bank 'rba' (Limited Liability Company) have the final say. GoldexPay is not affiliated with Commercial Bank 'rba' (Limited Liability Company), we only compare transfer services. Spotted an error? Tell us through the contact page so we can correct it.

Changed bank details? Be careful

Stay alert if a contact suddenly wants you to send money to a different account. The fact that IRBARU22 exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not rely on a phone number in the same message that announces the new account. Watch out for time pressure, unusual wording or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams also target the receiver. Someone sends too much and wants you to return the extra to a new account. A screenshot of a transfer is no proof.

How long does an international transfer to Commercial Bank 'rba' (Limited Liability Company) take?

There is no fixed delivery time for international payments: many land within a day while others need several business days. Weekends and public holidays in the sending or receiving country add extra days to the journey. Extra checks on larger or unusual payments can also cause a delay.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually provide a status in their app so you can see where the money has got.

If the money does not arrive within the expected time, the sender should contact their own bank rather than Commercial Bank 'rba' (Limited Liability Company). On the receiving end, it helps to look at your account to see a slightly lower amount.

Verifying the SWIFT code of Commercial Bank 'rba' (Limited Liability Company)

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have does not match IRBARU22 or IRBARU22XXX, do not guess – contact the recipient or Commercial Bank 'rba' (Limited Liability Company).

Errors in the SWIFT code are annoying more than fatal – usually the money comes back, minus fees and time lost. Remember the account number: an error there is more difficult to correct than a wrong BIC.

A format check by your bank merely confirms that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending adds an extra layer of safety. For a first payment, some people send a small amount first and wait for confirmation.

What to give a sender who pays you at Commercial Bank 'rba' (Limited Liability Company)

To receive an international payment into your account at Commercial Bank 'rba' (Limited Liability Company), the person paying you needs not just the BIC. Share the account holder’s name, your account number or IBAN, SWIFT code IRBARU22XXX and your address.

Their bank may request the bank address of Commercial Bank 'rba' (Limited Liability Company), in which case the Moscow head office is the usual answer. Check every detail before you send them.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments differ from bank to bank – the price list of Commercial Bank 'rba' (Limited Liability Company) tells you what applies. Make clear with the sender who pays which costs before the money is sent.

International transfers from Commercial Bank 'rba' (Limited Liability Company): the real cost

What you pay for a payment abroad has several parts, and the transfer fee is only the most visible one. 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 when the money is converted.

That exchange rate margin is often the biggest cost even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares what recipients receive across providers, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Commercial Bank 'rba' (Limited Liability Company) – you pay the provider from your own account.

Commercial Bank 'rba' (Limited Liability Company): head office code versus branch codes

We have 3 SWIFT/BIC codes for Commercial Bank 'rba' (Limited Liability Company), spread over 2 locations. Next to the head office code IRBARU22XXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, go with IRBARU22XXX or its short form IRBARU22. Just use a branch code when your contact gives you that exact code, for example on a letter or invoice.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

8 or 11 characters: IRBARU22 versus IRBARU22XXX

The layout of a BIC never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. The result is IRBARU22.

Most payment forms work with both lengths. If yours asks for eleven characters, enter IRBARU22XXX, otherwise IRBARU22 is fine.

Leave out spaces or dashes when you enter IRBARU22. A wrong letter may route the money to a different institution, so check it twice.