PJSC 'chelindbank' SWIFT/BIC code

CHLBRU4C – the SWIFT/BIC code of PJSC 'chelindbank'

The short code CHLBRU4C and the full code CHLBRU4CXXX refer to one and the same institution: PJSC 'chelindbank'. Banks worldwide use these codes to route international transfers to the correct institution. You will need it mostly for transfers between countries or a currency.

We wrote this page to help anyone who receives money at an account at PJSC 'chelindbank' and wants to get the details right. The BIC identifies a bank or branch, never a single account.

What the XXX in CHLBRU4CXXX means

The layout of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. That gives you CHLBRU4C.

Many payment forms accept both lengths. If a form asks for eleven characters, use CHLBRU4CXXX.

In practice the code is written in capitals and without spaces. Pasting the code beats retyping it: a typo can point to another bank.

Is CHLBRU4C still correct? How to check

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. If the code you have does not match CHLBRU4C or CHLBRU4CXXX, do not guess – contact the recipient or PJSC 'chelindbank'.

Errors in the BIC are costly rather than fatal: often the payment comes back, minus fees. A mistake in the IBAN or account number is a bigger problem because it can reach the wrong person.

An automatic check by your bank only confirms that the code is valid. Some banks now compare the name against the account before you confirm; take any warning seriously. When you pay someone new, some people send a small test amount before sending the rest.

Incoming international payments to PJSC 'chelindbank'

A sender in another country needs a few details from you. Give them your name as the bank knows it, the IBAN or account number, the BIC CHLBRU4CXXX and your address.

The sender’s bank may also ask for the address of your bank. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers vary per bank; check the price list of PJSC 'chelindbank'. For business payments, you can agree how the fees are split.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources and is updated regularly. Banks merge, close branches and retire codes – a directory can be a step behind. Figures such as the number of codes come from our directory and may differ from what PJSC 'chelindbank' publishes.

Treat this page as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay is an independent comparison site for money transfers and not affiliated with PJSC 'chelindbank'. Should you notice something that is out of date, we appreciate a message via the contact page.

Transfer times and tracking a payment to PJSC 'chelindbank'

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or just before a weekend or public holiday often go out the next business day. Extra checks by one of the banks can also cause some delay.

A growing number of banks use SWIFT gpi. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually show tracking in their app showing where the money is.

A delayed transfer is investigated by the sending bank. Request from the sender the payment receipt – it helps your own bank look for the money.

Protect yourself against fake payment requests

Criminals often send payment requests containing changed bank details. That CHLBRU4C is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Do not trust a phone number from the same email that contains the new account. Urgency and secrecy are warning signs – a real supplier can wait a day. Already paid? Contact the bank you paid from without delay and ask them to start a recall; also report it to the police.

Scams also target the receiver: someone sends too much and asks you to return the extra via a different route. Do not act before the money has really arrived – ask PJSC 'chelindbank' if something looks wrong.

Paying someone abroad from your PJSC 'chelindbank' account

If you send money abroad through PJSC 'chelindbank', the visible fee is only part of what you pay. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

The markup on the rate is often the largest cost even though it is not listed as a fee. A simple test: set the bank’s rate against the mid-market rate and look at the difference.

Specialised transfer providers often use a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers side by side, showing the amount the recipient gets before you commit. Using a transfer service does not mean closing your account at PJSC 'chelindbank' – you pay the provider from your own account.

Choosing between the 31 SWIFT codes of PJSC 'chelindbank'

Our database contains 31 SWIFT/BIC codes for PJSC 'chelindbank'. Next to the head office code CHLBRU4CXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use CHLBRU4CXXX or its short form CHLBRU4C. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Check with the recipient or the bank itself. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.