Lc Cbca SWIFT/BIC code

BBCARU51 – the SWIFT/BIC code of Lc Cbca

Whether a recipient gives you BBCARU51 or BBCARU51XXX, it is the same identifier for Lc Cbca in Russia. Banks worldwide use BIC codes to direct payments between countries to the correct institution. It comes up mainly for payments that cross a border.

On this page you can read what the code means, when you need it and what else you need for a transfer to or from Lc Cbca. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a request claiming that a company has a new bank account. That BBCARU51 is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that announces the change. Urgency or requests to keep it quiet tend to be red flags. When a payment was sent to the wrong account, call your bank right away.

Scams also work the other way. Someone sends more than agreed and asks you to refund the difference to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

How long does an international transfer to Lc Cbca take?

There is no fixed delivery time: many arrive the same day or the next while others need several business days. Bank holidays in either country can add extra days. Occasionally a bank wants to know what the payment is for, which can hold things up.

If the money is late, contact your bank about the tracking status or the UETR. Money transfer services usually show tracking online so you can see where the money has got.

If the money does not arrive within the expected time, the person who paid should contact their own bank, not the receiving bank. As a recipient, it helps to look at your account for a partial amount.

8 or 11 characters: BBCARU51 versus BBCARU51XXX

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and two for the location. The result is BBCARU51.

The full version adds three more characters for a branch or department. When those three characters are XXX, they simply mean the head office, so BBCARU51XXX and BBCARU51 are interchangeable.

As a rule the code is written in capitals. Pasting the code is safer than typing it by hand.

A note on our data

Our SWIFT/BIC directory is compiled from publicly available sources and we update it periodically. Banks reorganise, close branches and change codes. The figures on this page are based on what is in our directory and not on information from Lc Cbca itself.

Treat the information on this page as a handy check and rely on the recipient or Lc Cbca for the final confirmation. GoldexPay is a comparison site for money transfers and not affiliated with Lc Cbca. Should you notice a mistake, we welcome a message.

Lc Cbca: head office code versus branch codes

With 2 codes in 2 cities, Lc Cbca is one of the banks that use separate codes for parts of the organisation and departments. The head office code remains BBCARU51XXX.

For most incoming transfers, the head office code BBCARU51XXX works fine. When you receive a branch code, use it as it is rather than swapping it with the head office code.

The safest route is to copy the code directly from the recipient’s invoice. Codes for branches are more likely to be retired than the head office code when a bank merges or closes offices.

What a transfer from Lc Cbca abroad really costs

What you pay for a payment abroad is made up of more than one component – not just the fee on your screen. You pay the transfer fee, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

That exchange rate margin is often the biggest cost, and it is easy to miss. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

Specialised transfer providers often use a rate near the mid-market rate. Before your next transfer, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Lc Cbca: you simply pay the service from your account.

How to check BBCARU51 before you pay

The safest source for the BIC is the bank details provided by the recipient. When the code you were given differs from BBCARU51 or BBCARU51XXX, stop and ask.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges along the way. Do not forget the IBAN: a mistake there can be more difficult to undo than a wrong code.

A format check in your banking app merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a payee name check before sending adds extra certainty. A small test payment can be a sensible step for a large first payment despite the extra fee.

Incoming international payments to Lc Cbca

To receive an international payment into your account at Lc Cbca, the sender needs not just the BIC. Give them your name as the bank knows it, your account number or IBAN, SWIFT code BBCARU51XXX and your address.

It helps to add Lc Cbca and Abakan too, because some payment forms have separate fields for them. A mistake in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

Money from abroad will not always arrive in full. Charges on incoming payments vary from bank to bank. Make clear with the sender who covers the fees.