Irs-Bank SWIFT/BIC code

IRSBRUMM – the SWIFT/BIC code of Irs-Bank

IRSBRUMM and IRSBRUMMXXX are two ways of writing the same bank identifier, and both point to Irs-Bank in Moscow. The code has a single purpose: it makes sure that a cross-border transfer reaches the right bank. It comes up mostly when dealing with transfers between countries.

On this page you will find what the code means, when you need it and what else a transfer to or from Irs-Bank requires. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN takes care of that.

Choosing between the 2 SWIFT codes of Irs-Bank

Irs-Bank has 2 separate SWIFT/BIC codes across 2 cities. One of them is the head office code; the others identify branches, and sometimes internal departments.

Usually you do not need to look up a branch: payments addressed to IRSBRUMMXXX reach Irs-Bank correctly. A branch code only makes sense when the recipient’s bank specifically mentions it, which is more common for business accounts and specialised services.

The safest route is to copy the code straight from the account holder’s invoice. Codes can change when banks reorganise, so do not rely on old paperwork.

How long does an international transfer to Irs-Bank take?

A SWIFT payment usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or just before weekends and holidays usually start a business day later. Occasionally a bank asks what the payment is for before releasing it.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually show tracking in their app showing where the money has got.

If a payment has not arrived after a few business days, the sender should contact the bank that sent it rather than Irs-Bank. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on public sources. Banks merge, close branches and retire codes. The figures we show are based on our own data, not official figures from Irs-Bank.

Treat our data as a reference, rather than as the final word: the recipient’s bank details come first. GoldexPay is a comparison service for money transfers and not affiliated with Irs-Bank. Spotted outdated information? Let us know via our contact form so we can correct it.

What to give a sender who pays you at Irs-Bank

If you are waiting for money from abroad, send the payer a complete set of details. That means: your full name as registered with Irs-Bank, your account number or IBAN, the BIC IRSBRUMMXXX (or IRSBRUMM) and usually your postal address.

Certain banks want the address of Irs-Bank in Moscow. Check every detail before you send them.

Do not be surprised if the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin comes on top. For business payments, it is common to agree how the fees are split.

International transfers from Irs-Bank: the real cost

If you transfer money to another country from Irs-Bank, the visible fee is rarely all of the cost. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank usually uses a rate below the real market rate.

Banks rarely list their exchange rate markup separately – you only notice it if you compare. A simple test: set the rate you get against the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing the total cost via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Irs-Bank – you pay the provider from your own account.

Watch out for payment fraud

Scammers regularly send payment requests with changed bank details sent from what looks like a familiar address. That IRSBRUMM is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Verify changed bank details via a different channel, never via the email that asked for the change. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. Acted too fast? Contact the bank you paid from without delay and have them start a recall; also report it to the police.

Fraud can also work the other way: someone sends too much and wants you to return the extra via a different route. Do not act before the money has really arrived and check with Irs-Bank if anything seems off.

What the XXX in IRSBRUMMXXX means

The structure of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. Combined, these eight characters make up IRSBRUMM – the version you usually see online.

XXX at the end of IRSBRUMMXXX is not a missing value or an error: it indicates the main office of Irs-Bank. Certain payment forms ask for 11 characters, and then you simply add XXX after IRSBRUMM.

Leave out spaces when you type IRSBRUMM. Look out for O versus 0 or the letter I and the digit 1, a common source of typos.

Verifying the SWIFT code of Irs-Bank

Ask the recipient to copy their bank details straight from their banking app. If the code you have differs from IRSBRUMM or IRSBRUMMXXX, do not guess – contact the recipient or Irs-Bank.

Errors in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. Do not forget the account number: an error there can be more difficult to correct than a wrong code.

A format check in your banking app merely tells you that the IBAN exists. More and more banks check the payee name against the account – do not ignore a mismatch warning. A small test payment is worth it for large sums, even if it costs an extra fee.