SWIFT/BIC codes in Russia: banks starting with J

Finding a SWIFT code in Russia

This directory covers 785 banks and other institutions in Russia. A BIC shows the banks handling a transfer exactly which bank should receive the money.

Every bank has its own page with its main code and if there are any, codes for branches and departments. The rest of this page covers how the codes work, what transfers cost and the checks worth doing before a payment.

Paying a bank in Russia from abroad

Because Russia does not belong to SEPA, a transfer from abroad normally goes as a SWIFT payment. This means you always need the BIC of the receiving bank.

Not all countries use the IBAN. Ask the recipient which details their bank requires for payments from abroad. SWIFT payments can pass through correspondent banks and fees can be taken along the way.

Most SWIFT codes in Russia: JSC Rosselkhozbank

In our directory, JSC Rosselkhozbank holds the largest number of SWIFT/BIC codes in Russia. The head office uses RUAGRUMMXXX, which is the code to use when no branch is specified.

How many codes a bank has says more about how it organises its payments than about its size. Unless a branch code is given, the head office code RUAGRUMMXXX works for a payment to JSC Rosselkhozbank.

SWIFT codes in Russia: banks under :letter

Here you see a selection: just institutions in Russia with a name starting with :letter. The totals mentioned above always refer to all banks in Russia.

Cannot find the bank? Its official name might start with a different letter – think of the full legal name instead of the brand. Use the full list for Russia if you are not sure how the name is spelled.

Check the code before you pay

Ask the recipient to copy their bank details directly from their banking app. If the code you have does not match the code listed here, stop and ask – contact the recipient or their bank.

We gather bank codes using public sources and update them from time to time. Banks merge, change names and change codes. Before any payment that matters, confirm the BIC with the recipient. GoldexPay is an independent comparison site and has no link to the banks in this list.

Be wary of payment requests containing a new account. Always verify a change of bank details by phone.

Sending money to Russia for less

If you send money to Russia with your bank, the fee you see is rarely all of the cost. You pay the transfer fee, sometimes charges from intermediary banks along the way and, above all, the exchange rate markup when currencies differ.

Most of the cost usually sits in the exchange rate, not in the fee – the bank builds a margin into its rate. A simple test: put the offered rate next to the mid-market rate and look at the difference.

For many currency pairs, a transfer service is cheaper than a bank, mainly because of the rate. Before your next transfer to Russia, take a minute comparing the total cost on GoldexPay.

Tracking a payment to Russia

There is no fixed delivery time for payments to Russia: many land the same day or the next. Payments made after the cut-off time or just before weekends and holidays often start the next business day.

If a transfer is late, ask the sender to contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Specialist transfer services usually show a status in their app.

Receiving money in Russia from abroad

When you are waiting for a payment from another country in Russia, give the sender a complete set of details. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and, often, your address.

Look up the bank in the list above and compare the code with your own bank details. Certain sending banks may also ask for the name and address of your bank.

What lands in your account is often lower than the amount sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, an exchange rate margin applies. Make clear with the sender who pays which costs before the money is sent.

What the letters in a Russia BIC mean

Every SWIFT/BIC code consists of 8 or 11 characters, always in the same order. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

No matter which bank, every code from Russia share the same fifth and sixth letters, namely the ISO code of Russia. Codes with other letters in that position belong to a bank abroad.

The optional last three characters identify a branch or department; XXX is used for the head office. In most cases the head office code is fine unless the recipient asks for a specific branch.