Nadyozhnyj Bank SWIFT/BIC code

What NADYRU91 means for a payment to Nadyozhnyj Bank

NADYRU91 and NADYRU91XXX are the short and the long form of the same bank identifier, and both lead to Nadyozhnyj Bank in Magadan. The code does one job: it makes sure that an international payment ends up at the right bank. In practice you usually see the code on invoices from abroad, in your banking app and on the account details of Nadyozhnyj Bank customers.

This page is meant to help anyone who pays into an account at Nadyozhnyj Bank. The SWIFT code on its own does not identify a personal account; for that you need the IBAN or account number is for.

Getting paid from abroad into a Nadyozhnyj Bank account

When you expect a payment from another country, give the sender all details at once. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC NADYRU91XXX (or NADYRU91) and, often, your address.

You can include Nadyozhnyj Bank and its city too. A typo in your account number is more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary from bank to bank. Agree with the sender who covers the fees, especially for larger amounts.

Choosing between the 2 SWIFT codes of Nadyozhnyj Bank

With 2 codes, Nadyozhnyj Bank belongs to the banks that use individual codes for parts of the organisation. The main code remains NADYRU91XXX.

Usually you do not need to look up a branch: payments sent to NADYRU91XXX reach Nadyozhnyj Bank without problems. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

If you are not sure, check with the recipient which code their bank gave them. Codes can change over time, so a code from an old document is not always valid.

How long does an international transfer to Nadyozhnyj Bank take?

There is no single answer: many land the same day or the next, others take several business days. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer is delayed, ask the sending bank for the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services often show a status in their app so you can see how far the money is.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

A note on our data

The directory on GoldexPay draws on public sources and is updated regularly. Banks merge, close branches and retire codes. Figures such as the number of codes are from our own dataset and may differ from what Nadyozhnyj Bank publishes.

Before a payment of any size, check the BIC with the recipient’s bank or with the recipient. We are a comparison service for money transfers and not part of Nadyozhnyj Bank. Should you notice a mistake, we welcome a short note.

What a transfer from Nadyozhnyj Bank abroad really costs

If you transfer money abroad via Nadyozhnyj Bank, the visible fee is only part of the cost. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup when the money is converted.

Many banks do not list their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare the amount that arrives across services, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at Nadyozhnyj Bank – you pay the provider from your own account.

What the XXX in NADYRU91XXX means

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. That gives you NADYRU91.

XXX at the end of NADYRU91XXX is not a placeholder or an error: it stands for the main office of Nadyozhnyj Bank. Some banking apps insist on 11 characters, and then you simply add XXX behind NADYRU91.

Leave out spaces or dashes when you type NADYRU91 or NADYRU91XXX. Look out for O versus 0 or I versus 1, a common source of typos.

How to check NADYRU91 before you pay

The best place to find the right code remains paperwork issued by the bank. If the code you have differs from NADYRU91 or NADYRU91XXX, stop and ask: check with the recipient or with Nadyozhnyj Bank directly.

Errors in the BIC are annoying rather than disastrous. An error in the account number is more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. Some banks now check the payee name against the account; take any warning seriously. A small test payment is worth it for large sums despite the extra fee.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a message claiming that a supplier has a new bank account and asking you to pay there from now on. The fact that NADYRU91 exists does not mean that a request mentioning it is legitimate.

Always confirm a change of bank details through a phone call, using a number you already had. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Scams can also target the receiver: someone claims to have sent too much and asks you to return the difference to a new account. Wait until the money is actually in your account and check with Nadyozhnyj Bank if anything seems off.