Lipetskcombank PJSC SWIFT/BIC code

SWIFT/BIC code of Lipetskcombank PJSC

LIPERU2L and LIPERU2LXXX are two spellings of the same SWIFT/BIC code, and both lead to Lipetskcombank PJSC in Lipetsk. Every bank on the SWIFT network uses these codes to direct payments between countries to the correct bank. In practice you usually see the code on invoices from abroad, in payment forms and in the bank details that Lipetskcombank PJSC provides.

Below we go through the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you confirm a payment. The SWIFT code alone cannot identify a personal account; for that you need the IBAN or account number is for.

Paying someone abroad from your Lipetskcombank PJSC account

The price of an international transfer is made up of more than one component – not just the fee on your screen. On top of the transfer fee, banks in between can take a cut, and if currencies are converted, the bank often applies a rate that is less favourable than the actual market rate.

Many banks rarely show their exchange rate markup as a cost, but you pay it all the same. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate. GoldexPay compares what recipients receive across providers, which makes the cheapest option easy to spot. You can always use your account at Lipetskcombank PJSC as the source of the money, while a cheaper service handles the conversion.

Is LIPERU2L still correct? How to check

The most reliable place for 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 does not match LIPERU2L or LIPERU2LXXX, do not guess – contact the recipient or Lipetskcombank PJSC.

An incorrect BIC can cause a delay, a returned payment or additional charges for investigation. An error in the IBAN or account number is a bigger problem because it can reach the wrong person.

A validity check in your banking app merely confirms that the IBAN exists, not that it is the right account. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first can be worth it for a large first payment, even if it costs an extra fee.

Getting paid from abroad into a Lipetskcombank PJSC account

To receive a transfer from abroad into your account at Lipetskcombank PJSC, the person paying you has to have more than the SWIFT code. Give them the account holder’s name, the IBAN or account number, the BIC LIPERU2LXXX and your address.

Their bank may also ask for the address of your bank, in which case the Lipetsk head office is the usual answer. Check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always arrive for the full amount. Fees for incoming transfers vary from bank to bank; check the price list of Lipetskcombank PJSC. Agree with the sender who covers the fees before the money is sent.

LIPERU2L or LIPERU2LXXX – which one to use?

The layout of a BIC never changes: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. For Lipetskcombank PJSC, the 8-character core is LIPERU2L.

Many banks and apps accept both lengths. If yours requires eleven characters, use LIPERU2LXXX.

Leave out spaces, dots when you type LIPERU2L or LIPERU2LXXX. Watch for O versus 0 or the letter I and the digit 1; they are easy to mix up.

How up to date is this code?

This directory is based on public sources and is updated regularly. It is possible that a code here is out of date after a merger or reorganisation. The number of codes on this page are based on our own data.

Before a payment of any size, check the code with Lipetskcombank PJSC or the recipient. GoldexPay has no connection to Lipetskcombank PJSC, we only compare transfer services. Found an error? Let us know through the contact page so we can correct it.

Lipetskcombank PJSC: head office code versus branch codes

With 2 codes, Lipetskcombank PJSC belongs to the banks that register individual codes for parts of the organisation. The main code is LIPERU2LXXX.

If nobody asks you for a branch code, use LIPERU2LXXX. When you receive a specific code, stick to it rather than replacing it with the head office code.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more likely to change than LIPERU2LXXX.

Protect yourself against fake payment requests

Fraudsters often use fake invoices with changed bank details, sometimes in an email that looks completely genuine. 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, odd spelling or a sender address that is slightly off. When a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also work the other way. Someone claims to have sent too much and wants you to return the extra. A screenshot of a transfer is no proof – check your own account.

When will the money arrive at Lipetskcombank PJSC?

A SWIFT payment usually takes one to a few business days. Bank holidays in the sending or receiving country add extra days. Extra checks on larger or unusual payments may also cause some delay.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide a status online showing how far the money has got.

Only the sending bank is able to start an official trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to look at your account for a slightly lower amount because fees can reduce the amount.