National Standard Bank SWIFT/BIC code

National Standard Bank SWIFT code: CBNNRUMM

If an invoice shows CBNNRUMM or CBNNRUMMXXX, you are looking at the same address for National Standard Bank in Russia. A SWIFT code tells every bank in the chain which institution is meant to get the money. In practice you usually see the code on invoices from abroad, in your banking app and in the bank details of National Standard Bank customers.

We wrote this page to help anyone who pays into an account at National Standard Bank. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

How to check CBNNRUMM before you pay

Ask the recipient to copy their bank details directly from their banking app. Compare it against CBNNRUMM here and ask if anything does not match.

Errors in the SWIFT code tend to be annoying more than disastrous. A mistake in the account number can be more serious, because the money may be credited to someone else.

Many banking apps validate the format of an IBAN – that confirms the format, not the owner. More and more banks check the payee name with the account. A small test payment can be worth it for a large first payment despite the extra fee.

What the XXX in CBNNRUMMXXX means

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. Together, these eight characters make up CBNNRUMM – the version you usually see online.

The full version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office.

Enter the code as one block, in capitals and without spaces. A wrong character can send a payment to another bank.

Changed bank details? Be careful

A common scam works like this: you receive a request saying that a supplier has a new bank account. That CBNNRUMM is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Do not trust a phone number in the same message that announces the new account. Watch out for time pressure, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference. A payment confirmation from the sender is no proof.

What to give a sender who pays you at National Standard Bank

For a transfer from abroad at National Standard Bank, the sender has to have not just the SWIFT code. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the BIC CBNNRUMMXXX (or CBNNRUMM) and, often, your address.

You can include National Standard Bank and its city too. A typo in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always arrive in full. Fees for incoming transfers differ from bank to bank – the price list of National Standard Bank tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

Sending money abroad from National Standard Bank

What you pay for a payment abroad is made up of more than one component – not just the fee on your screen. On top of the transfer fee, correspondent or intermediary banks may take a cut, and if the money changes currency, the bank usually applies a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate as a cost, but you pay it all the same. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. Next time you send money, it is worth to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean closing your account at National Standard Bank.

How long does an international transfer to National Standard Bank take?

A SWIFT payment typically takes one to a few business days. Transfers sent after the cut-off time or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know what the payment is for, which can hold things up.

If the money seems delayed, ask your bank for the tracking status; with that reference banks can see where the payment is. Save the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

Only the sending bank is able to request a trace. Request from the sender a copy of the payment confirmation with the date and reference.

About this information

Our SWIFT/BIC directory is compiled from publicly available sources. Banks merge, close branches and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our directory.

See the information here as a handy check and rely on the recipient or National Standard Bank for the final confirmation. GoldexPay is a comparison site and not part of National Standard Bank. Spotted an error? Let us know through the contact page.

Choosing between the 3 SWIFT codes of National Standard Bank

National Standard Bank has 3 different SWIFT/BIC codes across 3 locations. Only one is the head office code, CBNNRUMMXXX; the rest identify branches, and sometimes internal departments.

If nobody asks you for a branch code, go with CBNNRUMMXXX. When you receive a specific code, use it as it is instead of swapping it for the head office code.

Not sure which code applies? Check with the recipient or the bank itself. Codes for branches are more prone to be retired than CBNNRUMMXXX when a bank merges or closes offices.