Joint Stock Company Surgutneftegasbank SWIFT/BIC code

What SGUBRU5S means for a payment to Joint Stock Company Surgutneftegasbank

The short code SGUBRU5S and the 11-character code SGUBRU5SXXX refer to one and the same institution: Joint Stock Company Surgutneftegasbank. The code does one job: it makes sure that money from abroad ends up at the right bank. It comes up mainly for transfers between countries.

We wrote this page to help people who pays into an account at Joint Stock Company Surgutneftegasbank. Remember that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

A note on our data

The details here come from publicly available data. It is possible that a code on this page is no longer current. The figures we show are based on what is in our directory.

Before a payment of any size, always check the code with Joint Stock Company Surgutneftegasbank or with the recipient. GoldexPay has no connection to Joint Stock Company Surgutneftegasbank, we only compare transfer services. Found an error? Tell us through the contact page.

Tracking a transfer to or from Joint Stock Company Surgutneftegasbank

An international transfer typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country can add extra days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

If a transfer seems delayed, contact the sending bank for the tracking status or the UETR; with that reference banks can see where the payment is. Specialist transfer services usually provide a status in their app so you can see where the money has got.

A missing payment has to be traced from the sending side, using the payment confirmation. As a recipient, you can check your account for a slightly lower amount.

Watch out for payment fraud

Fraudsters often send fake invoices with changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about who owns the account – scammers simply use real codes.

Before paying, confirm a change of bank details through a phone call, using a number you already had. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer proves nothing – check your own account.

What to give a sender who pays you at Joint Stock Company Surgutneftegasbank

Someone abroad who wants to pay you needs a few details from you. Give them the account holder’s name, your account number or IBAN, SWIFT code SGUBRU5SXXX and your address, which some banks require.

Their bank might also ask for the address of your bank, in which case the Surgut head office is the usual answer. A mistake in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

What lands in your account is often less than the amount sent. Fees for incoming transfers vary per bank – the price list of Joint Stock Company Surgutneftegasbank tells you what applies. On invoices, you can agree how the fees are split, so that nobody is left short.

8 or 11 characters: SGUBRU5S versus SGUBRU5SXXX

A BIC is built from a few fixed parts: the first four letters stand for the bank, characters five and six show the country and the two after that mark the location. Together, those parts make up SGUBRU5S, the code most people search for.

The full version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office, which is why SGUBRU5SXXX and SGUBRU5S lead to the same place.

Enter the code in one piece, in capitals and without separators. Pasting the code beats typing it by hand.

Which of the 5 codes of Joint Stock Company Surgutneftegasbank do you need?

With 5 codes in 4 cities, Joint Stock Company Surgutneftegasbank belongs to the banks that register separate codes for parts of the organisation and departments. The head office code is SGUBRU5SXXX.

If nobody asks you for a branch code, go with SGUBRU5SXXX or its short form SGUBRU5S. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Not sure which code to use? Check with the recipient. Codes for branches are more prone to change than SGUBRU5SXXX.

How to check SGUBRU5S before you pay

The best place to find the right code remains a document from the bank itself, such as a statement or the account details in online banking. When the code you were given differs from SGUBRU5S or SGUBRU5SXXX, stop and ask: check with the recipient or with Joint Stock Company Surgutneftegasbank directly.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees along the way. An error in the account number is more serious, because the money may be credited to someone else, so check that just as carefully.

Most online banking apps validate the format of an IBAN. Some banks now check the payee name with the account; take any warning seriously. For a first payment, some people send a small amount first.

Paying someone abroad from your Joint Stock Company Surgutneftegasbank account

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate if the currency changes.

Many banks rarely show the margin on the rate as a cost – you only notice it if you compare. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. Next time you send money, take a minute to compare what arrives on GoldexPay instead of going straight to your bank. You can still keep your account at Joint Stock Company Surgutneftegasbank to fund the transfer.