JSC Bank Sovetsky SWIFT/BIC code

JSC Bank Sovetsky SWIFT code: SOZARU2P

SOZARU2P and SOZARU2PXXX are two ways of writing the same bank identifier, and both lead to JSC Bank Sovetsky in St. Petersburg. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money. In practice you mostly see it on international invoices, in payment forms and in the bank details of JSC Bank Sovetsky 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 JSC Bank Sovetsky requires. The BIC names a bank or branch, never a specific account.

About this information

We collect bank codes from publicly available data and update our list from time to time. It is possible that a code on this page is no longer current after a merger or reorganisation. The figures we show reflect what is in our directory.

See the information here as a handy check, and let the details from the recipient or JSC Bank Sovetsky have the final say. GoldexPay is not affiliated with JSC Bank Sovetsky; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a message.

Is SOZARU2P still correct? How to check

The most reliable place for the correct BIC remains a document from the bank itself. If the code you have does not match SOZARU2P or SOZARU2PXXX, do not guess – contact the recipient or JSC Bank Sovetsky.

With a wrong code, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number is more serious because it can reach the wrong person.

An automatic check by your bank only confirms that the code exists, not that it is the right account. If your bank offers it, a payee name check on the recipient adds extra certainty. When you pay someone new, many people send a small test amount.

Scams that use SWIFT codes

Stay alert when a contact suddenly wants you to send money to a different account abroad. A correct SWIFT code says nothing about who owns the account.

Before paying, confirm a change of bank details through a phone call. Pressure or secrecy tend to be warning signs. Already paid? Contact the bank you paid from straight away and have them try to recall the payment and report the fraud.

Scams also work the other way. Someone claims to have sent more than agreed and asks you to return the extra via a different route. Do not act before the money has really arrived and check with JSC Bank Sovetsky if anything seems off.

When will the money arrive at JSC Bank Sovetsky?

An international transfer usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or just before weekends and holidays often go out a business day later. Occasionally a bank asks what the payment is for, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide a status online showing where the money has got.

If the money does not arrive within the expected time, the sender should contact the bank that sent it, not the receiving bank. On the receiving end, you can look at your statements to see a partial amount, since fees may have been deducted.

Receiving money from abroad at JSC Bank Sovetsky

If you are waiting for money from abroad, send the payer all details at once. Give them your name as the bank knows it, the IBAN or account number, SWIFT code SOZARU2PXXX and your address, which some banks require.

Some sending banks want the name and address of JSC Bank Sovetsky in St. Petersburg. A typo in the IBAN can be more trouble than it looks, so copy the details from your online banking.

The amount you receive is often less than the amount sent. Fees for incoming transfers differ from bank to bank; check the price list of JSC Bank Sovetsky. For business payments, it is common to state who bears the costs, so that nobody is left short.

What the XXX in SOZARU2PXXX means

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. For JSC Bank Sovetsky, that core is SOZARU2P.

XXX at the end of SOZARU2PXXX does not stand for a placeholder or a mistake: it stands for the head office of JSC Bank Sovetsky. Some banking apps insist on 11 characters, and then you simply add XXX behind SOZARU2P.

Leave out spaces when you enter SOZARU2P or SOZARU2PXXX. A single character can send the money to a different institution, so copy it carefully.

Head office or branch code at JSC Bank Sovetsky?

JSC Bank Sovetsky has 2 separate SWIFT/BIC codes. Only one is the head office code, SOZARU2PXXX; the others identify branches or departments.

If nobody asks you for a branch code, use SOZARU2PXXX. If you have been given a specific code, stick to it instead of swapping it with the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise, so a code from an old document is not always valid.

Sending money abroad from JSC Bank Sovetsky

A bank transfer abroad costs rather more than the fee suggests. There is the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate.

The markup on the rate is often the biggest cost. Compare their rate against the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay compares these services side by side so you can see the amount the recipient gets for the same amount sent. You can always keep your account at JSC Bank Sovetsky as the source of the money; only the conversion and sending happen elsewhere.