JSC Rosselkhozbank SWIFT/BIC code

What RUAGRUMM means for a payment to JSC Rosselkhozbank

RUAGRUMM and RUAGRUMMXXX are the short and the long form of the same bank identifier, and both point to JSC Rosselkhozbank in Moscow. The code has a single purpose: it makes sure that an international payment reaches the right bank. In daily life you usually see the code on invoices from abroad, in your banking app and in the bank details of JSC Rosselkhozbank customers.

On this page you will find how the code means, when you need it and which other details you need for a transfer to or from JSC Rosselkhozbank. The SWIFT code on its own cannot identify a personal account; that is what the IBAN or account number .

About this information

We collect SWIFT/BIC codes using publicly available data and check our list from time to time. It is possible that information here is no longer current. The figures we show are based on our own data and not on information from JSC Rosselkhozbank itself.

Treat our directory here as a helpful check. GoldexPay is not affiliated with JSC Rosselkhozbank, we only compare transfer services. Spotted an error? Let us know through the contact page and we will look into it.

How long does an international transfer to JSC Rosselkhozbank take?

There is no single delivery time: many land within a day. Bank holidays in the sending or receiving country can add a day or more to the journey. Extra checks on larger or unusual payments may also cause some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi. Each payment gets a unique reference, the UETR. Money transfer services usually provide tracking online so you can see how far the money has got.

A missing payment is traced by the sending bank, using the payment confirmation. Request from the sender the payment receipt; that often settles the question quickly.

Choosing between the 73 SWIFT codes of JSC Rosselkhozbank

Our database contains 73 SWIFT/BIC codes for JSC Rosselkhozbank in 71 cities. Besides the head office code RUAGRUMMXXX, there are codes for individual branches and departments.

In most cases there is no need to pick a branch: payments sent to RUAGRUMMXXX are routed within JSC Rosselkhozbank without problems. Branch codes are only needed when the account holder explicitly asks for it, which is more common for corporate accounts and trade services.

The best way is to copy the code directly from the account holder’s statement. Codes can change when banks reorganise, so a code from an old document is not always valid.

What a transfer from JSC Rosselkhozbank abroad really costs

A bank transfer abroad costs rather more than the listed fee. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

Banks rarely show their exchange rate markup as a cost – you only notice it if you compare. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate. GoldexPay compares transfer providers side by side, showing what actually arrives before you commit. You can always keep your account at JSC Rosselkhozbank to fund the transfer, while a cheaper service handles the conversion.

What the XXX in RUAGRUMMXXX means

A BIC is built from fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that mark the location. For JSC Rosselkhozbank, the 8-character core is RUAGRUMM.

The full version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why RUAGRUMMXXX and RUAGRUMM lead to the same place.

As a rule the code is typed in capitals and without spaces. A wrong letter may route the money to a different institution.

Protect yourself against fake payment requests

Scammers regularly send payment requests with changed bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Always verify a change of bank details by phone, using a number you already had. Urgency or 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 ask them to try to recall the payment; also report it to the police.

Fraud can also target the receiver. Someone sends too much and wants you to return the extra to a new account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Getting paid from abroad into a JSC Rosselkhozbank account

A sender in another country will ask for several details from you, and missing ones are a common cause of delays. The basics are: the account holder’s name, IBAN or account number, RUAGRUMMXXX or RUAGRUMM and in many cases your postal address.

Their bank may also ask for the bank address of JSC Rosselkhozbank; the head office in Moscow is usually fine. A typo in the IBAN is harder to fix than you might think, so copy the details from your online banking.

What lands in your account is often less than the amount sent. Charges on incoming payments differ from bank to bank. Make clear with the sender who pays which costs, especially for larger amounts.

Is RUAGRUMM still correct? How to check

The most reliable place for the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match RUAGRUMM or RUAGRUMMXXX, do not guess.

With a wrong code, the payment may be delayed, be returned or cost extra – sometimes after weeks of searching. A mistake in the account number is more serious because it can reach the wrong person, so check that just as carefully.

An automatic check in your banking app merely tells you that the IBAN is valid. Some banks now check the name against the account before you confirm; take any warning seriously. When you pay someone new, some people start with a small test amount before sending the rest.