Morgan Stanley Bank SWIFT/BIC code

What MSBKRUMM means for a payment to Morgan Stanley Bank

The 8-character code MSBKRUMM and the 11-character code MSBKRUMMXXX refer to the same bank: Morgan Stanley Bank. The code has a single purpose: it ensures that an international payment reaches the right bank. In practice you usually see the code on invoices from abroad, in payment forms and on the account details of Morgan Stanley Bank customers.

We wrote this page to help anyone who sends money to an account at Morgan Stanley Bank without mistakes. The SWIFT code alone does not identify an individual account holder; for that you need the IBAN or account number .

Getting paid from abroad into a Morgan Stanley Bank account

For a transfer from abroad at Morgan Stanley Bank, the person paying you has to have not just the BIC. The basics are: the account holder’s name, IBAN or account number, MSBKRUMMXXX and in many cases your home address.

It helps to add the bank name and Moscow too. A mistake in the IBAN can be more trouble than you might think.

An incoming payment will not always land for the full amount. Fees for incoming transfers vary from bank to bank – the price list of Morgan Stanley Bank tells you what applies. On invoices, it is common to state how the fees are split, so that nobody is left short.

When will the money arrive at Morgan Stanley Bank?

A SWIFT payment usually needs anywhere from one to several business days. Weekends and public holidays in either country can add extra days. Extra checks by one of the banks can also cause a delay, regardless of the details.

Many banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services often provide tracking online so you can see how far the payment has got.

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

A note on our data

The details here come from publicly available data that we update regularly. It is possible that information here is no longer current after a merger or reorganisation. Counts and locations come from our directory.

Use our data as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Morgan Stanley Bank, we only compare transfer services. Spotted an error? Let us know through the contact page so we can correct it.

Why Morgan Stanley Bank has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. That gives you MSBKRUMM for Morgan Stanley Bank.

The long version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

Leave out spaces or dashes when you type MSBKRUMM. Look out for O versus 0 or the letter I and the digit 1, a common source of typos.

Morgan Stanley Bank: head office code versus branch codes

With 3 codes, Morgan Stanley Bank belongs to the banks that register individual codes for branches. The main code remains MSBKRUMMXXX.

For most payments to a private or business account, the head office code MSBKRUMMXXX is the right choice. A branch code only makes sense if the recipient’s bank explicitly asks for it, which is more common for business accounts and specialised services.

If you are not sure, ask the person you are paying which code their bank gave them. Codes can change when banks reorganise.

Scams that use SWIFT codes

One of the most common tricks works like this: an email arrives with a message saying that a company now has new bank details and that the next payment should go there. That MSBKRUMM is a real code does not mean that the account is legitimate; criminals use the codes of real banks too.

Do not trust contact details in the same message that announces the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If money has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived.

International transfers from Morgan Stanley Bank: the real cost

If you transfer money abroad through Morgan Stanley Bank, the visible fee is rarely all of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate if the currency changes.

Most of the cost usually sits in the exchange rate: the bank converts at a rate that includes a margin. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets for the same amount sent. You can always use your account at Morgan Stanley Bank; only the conversion and sending happen elsewhere.

Before you send: check the Morgan Stanley Bank code

The safest source for a SWIFT code is the recipient’s own bank details. Check that code against MSBKRUMM on this page and ask if anything does not match.

Mistakes in the BIC are annoying rather than disastrous. Do not forget the IBAN: a mistake there can be harder to undo than a wrong code.

Most online banking apps validate the format of IBANs and some suggest the matching BIC. Some banks now compare the name against the account – do not ignore a mismatch warning. When you pay someone new, some people start with a small amount first.