Klientsky Bank SWIFT/BIC code

Klientsky Bank SWIFT code: KLKORUM1

The 8-character code KLKORUM1 and the full code KLKORUM1XXX refer to one and the same institution: Klientsky Bank, with its head office in Moscow. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. In practice you mostly see the code on international invoices, in payment forms and in the bank details that Klientsky Bank provides.

On this page you can read how the code is put together, when you need it and which other details a transfer to or from Klientsky Bank requires. A SWIFT code names a bank or branch, not a specific account; the IBAN or account number does that.

Verifying the SWIFT code of Klientsky Bank

The best place to find the right code remains a document from the bank itself. Compare it against KLKORUM1 on this page.

An incorrect BIC may lead to a delay, a payment being sent back or additional charges along the way. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

An automatic check in your banking app only tells you that the IBAN exists. Where available, a name check before sending gives extra certainty. Sending a small amount first is a sensible step for a large first payment.

What a transfer from Klientsky Bank abroad really costs

When you transfer money abroad through Klientsky Bank, the fee you see is only part of the cost. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

That exchange rate margin is often the largest item. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare what recipients receive with different services, so you can pick the cheapest route. Choosing a specialist does not require leaving Klientsky Bank.

Protect yourself against fake payment requests

Be wary if someone suddenly wants you to send money to another account. The fact that KLKORUM1 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Check changed payment details via a different channel like a call to a number from an earlier contract, not by replying to the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment; also report it to the police.

People receiving money are targeted too: one known trick is an overpayment followed by a request to refund the difference. Do not act before the money has really arrived.

Transfer times and tracking a payment to Klientsky Bank

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before weekends and holidays often go out the next business day. Sometimes a bank asks about the purpose of a payment.

When a payment takes longer than expected, contact your bank about the tracking status; with that reference banks can see where the payment is. Money transfer services usually provide tracking online showing how far the money is.

A delayed transfer is traced by the sending bank. On the receiving end, it helps to check your account for a partial amount, since fees may have been deducted.

What to give a sender who pays you at Klientsky Bank

To receive a transfer from abroad into your account at Klientsky Bank, the person paying you needs not just the SWIFT code. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code KLKORUM1XXX (or KLKORUM1) and sometimes your postal address.

It helps to include Klientsky Bank and its city as well, because some payment forms have separate fields for them. A typo in the IBAN can be more trouble than it looks.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers differ per bank. For business payments, you can agree how the fees are split to avoid a shortfall.

What the XXX in KLKORUM1XXX means

The structure of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location. Together, these eight characters make up KLKORUM1 – the version you usually see online.

XXX at the end of KLKORUM1XXX is not a placeholder or a mistake: it indicates the main office of Klientsky Bank. Some forms ask for 11 characters, and then you can enter XXX behind KLKORUM1.

Leave out spaces, dots when you type KLKORUM1; the code is always written in one block. Pasting the code is safer than retyping it.

Head office or branch code at Klientsky Bank?

We have 2 SWIFT/BIC codes for Klientsky Bank in 2 cities. Next to the head office code KLKORUM1XXX, you will find codes for individual branches and departments.

In most cases you do not need to look up a branch: transfers addressed to KLKORUM1XXX are routed within Klientsky Bank correctly. Branch codes are only needed when the recipient’s bank explicitly mentions it.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to be retired than KLKORUM1XXX.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources and is updated regularly. Banks reorganise, change names and retire codes. Figures such as the number of codes are from our directory.

Treat this page as a starting point, not as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with Klientsky Bank. Found an error? Let us know through the contact page.