'mobilbank' Oao SWIFT/BIC code

'mobilbank' Oao SWIFT code: MOBLRU31

MOBLRU31 and MOBLRU31XXX are the short and the long form of the same bank identifier, and both point to 'mobilbank' Oao in Izhevsk. Banks worldwide use BIC codes to route payments between countries to the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

On this page we explain what the code means, when it matters and what else a transfer to or from 'mobilbank' Oao requires. The BIC identifies a bank or branch, never a single account, which is why you always need the account number too.

Is MOBLRU31 still correct? How to check

Ask the recipient to send you their account details straight from their banking app. Compare it against MOBLRU31 here.

An incorrect BIC may lead to a delay, a payment being sent back or extra fees along the way. Remember the IBAN: an error there can be harder to correct than a wrong BIC.

Many banking apps check the structure of IBANs and some suggest the matching BIC – that confirms the format, not the owner. More and more banks check the payee name against the account – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount.

Protect yourself against fake payment requests

A common scam works like this: you receive a message claiming that a supplier has a new bank account. That MOBLRU31 is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Do not rely on a phone number in the same message that contains the change. Urgency and secrecy are red flags. If a payment was sent to the wrong account, contact your bank immediately.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference. A screenshot of a transfer proves nothing – check your own account.

Which of the 2 codes of 'mobilbank' Oao do you need?

Having 2 codes in 2 locations, 'mobilbank' Oao is one of the banks that use individual codes for parts of the organisation and departments. The main code is MOBLRU31XXX.

Unless the recipient tells you otherwise, use MOBLRU31XXX. Branch codes are only needed when the account holder explicitly mentions it, which is more common for corporate accounts and trade services.

The safest approach is to copy the code straight from the account holder’s invoice. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

International transfers from 'mobilbank' Oao: the real cost

What you pay for a payment abroad is made up of several parts. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup if the currency changes.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. A simple test: set the bank’s rate against 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 and lower fees. Next time you send money, take a minute to compare what arrives via GoldexPay. You can always use your account at 'mobilbank' Oao.

Incoming international payments to 'mobilbank' Oao

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code MOBLRU31XXX and sometimes your postal address.

Their bank might request the bank address of 'mobilbank' Oao, in which case the Izhevsk head office is the usual answer. Check each detail before you send them.

Money from abroad does not always arrive for the full amount. Correspondent banks can take a fee, 'mobilbank' Oao may charge for incoming payments, and if the currency changes, an exchange rate margin comes on top. Make clear with the sender who pays which costs, especially for larger amounts.

Why 'mobilbank' Oao has an 8- and an 11-character code

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. The result is MOBLRU31 for 'mobilbank' Oao.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, which is why MOBLRU31XXX and MOBLRU31 lead to the same place.

Enter the code in one piece, in capitals and without spaces. Look out for the letter O and the digit 0 and the letter I and the digit 1, a common source of typos.

About this information

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. It is possible that a code on this page is no longer current. The number of codes we show reflect our own data and not on information from 'mobilbank' Oao itself.

See our directory here as a handy check and rely on the recipient or 'mobilbank' Oao for the final confirmation. GoldexPay is a comparison service for money transfers and not part of 'mobilbank' Oao. If you notice a mistake, we welcome a short note via the contact page.

How long does an international transfer to 'mobilbank' Oao take?

How fast a transfer arrives at 'mobilbank' Oao depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add a day or more to the journey. Occasionally a bank asks what the payment is for before releasing it.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique reference, the UETR. Money transfer services often show tracking in their app so you can see how far the money is.

If the money does not arrive after a few business days, the sender needs to start with the bank that sent it rather than 'mobilbank' Oao. Ask the sender for the payment receipt with the date and reference.