Energotransbank SWIFT/BIC code

Energotransbank SWIFT code: ENGORU2K

ENGORU2K and ENGORU2KXXX are two ways of writing the same bank identifier, and both lead to Energotransbank in Kaliningrad. Every bank on the SWIFT network uses BIC codes to route payments between countries to the correct institution. In practice you usually come across the code on international invoices, in payment forms and in the bank details of Energotransbank customers.

On this page you will find how the code is put together, when you need it and which other details a transfer to or from Energotransbank requires. Keep in mind that the BIC just identifies the bank, not the account: the IBAN or account number does that part.

Changed bank details? Be careful

Scammers regularly send fake invoices containing new bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Check changed bank details through a separate channel. Urgency and secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Call your bank without delay and have them start a recall; also report it to the police.

Fraud can also work the other way. Someone claims to have sent too much and asks you to refund the extra. Wait until the money is actually in your account – ask Energotransbank if something looks wrong.

What a transfer from Energotransbank abroad really costs

An international bank payment can cost more than the listed fee. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

Banks rarely list their exchange rate markup as a cost. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Next time you send money, take a minute to compare what arrives via GoldexPay. Choosing a specialist does not mean closing your account at Energotransbank – you pay the provider from your own account.

Is ENGORU2K still correct? How to check

Have the recipient copy their bank details directly from their banking app. Compare that code with ENGORU2K here.

If the code is wrong, the payment may be delayed, bounce back or end up costing more, and tracing it can take weeks. Remember the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

A format check by your bank only confirms that the code is valid – not that it belongs to the person you mean to pay. More and more banks compare the payee name against the account – do not ignore a mismatch warning. When you pay someone new, some people start with a small test amount.

Incoming international payments to Energotransbank

A sender in another country will ask for a few details from you. Share the account holder’s name, the IBAN or account number, the BIC ENGORU2KXXX and your address, which some banks require.

Some sending banks also ask for the address of Energotransbank. A typo in the IBAN can be more trouble 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 if the currency changes, an exchange rate margin comes on top. Agree with the sender who covers the fees.

8 or 11 characters: ENGORU2K versus ENGORU2KXXX

Every SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. For Energotransbank, the 8-character core is ENGORU2K.

XXX at the end of ENGORU2KXXX is not a missing value or an error: it stands for the main office of Energotransbank. Certain payment forms insist on 11 characters, in which case you simply add XXX behind ENGORU2K.

Type the code in one piece, in upper case and without separators, exactly as shown here. A single character may route the money to another bank.

About this information

We gather SWIFT/BIC codes using publicly available data and check our list regularly. Institutions merge, change names and change codes – a directory can be a step behind. The number of codes we show are based on what is in our directory and not on information from Energotransbank itself.

See the information on this page as a handy check. GoldexPay is not affiliated with Energotransbank; we are a comparison site for money transfers. If you notice something that is out of date, we welcome a message.

Head office or branch code at Energotransbank?

With 3 codes in 3 locations, Energotransbank belongs to the banks that use separate codes for branches and departments. The head office code remains ENGORU2KXXX.

For the vast majority of payments to a private or business account, the head office code ENGORU2KXXX works fine. A branch code only makes sense if the recipient’s bank specifically asks for it, which is more common for business accounts and specialised services.

The safest route is to take the code directly from the account holder’s statement. Codes are sometimes changed or retired when banks reorganise.

Transfer times and tracking a payment to Energotransbank

A SWIFT payment typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in either country add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments can also add some delay, even when all details are correct.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique reference, the UETR. Money transfer services often show tracking in their app showing how far the money is.

If the money does not arrive within the expected time, the person who paid needs to contact the bank that sent it rather than Energotransbank. Ask the sender for the payment receipt including the reference; that often settles the question quickly.