PJSC Metkombank SWIFT/BIC code

What MTKCRUMM means for a payment to PJSC Metkombank

The short code MTKCRUMM and the full code MTKCRUMMXXX identify one and the same institution: PJSC Metkombank, with its head office in Moscow. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. You will need it mostly when dealing with payments that cross a border and payments in foreign currencies.

On this page you will find how the code means, when you need it and what else a transfer to or from PJSC Metkombank requires. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Scams that use SWIFT codes

Be alert when a contact unexpectedly asks you to pay into another account. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Always confirm a change of bank details by phone, using a number you already had. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Call the bank you paid from straight away and ask them to start a recall; also report it to the police.

Fraud can also work the other way. Someone claims to have sent too much and asks you to return the difference. Wait until the money has really arrived – ask PJSC Metkombank if something looks wrong.

Head office or branch code at PJSC Metkombank?

Our directory lists 4 SWIFT/BIC codes for PJSC Metkombank in 4 places. Besides the head office code MTKCRUMMXXX, there are codes for branches, departments or specific services.

In most cases you do not need to look up a branch: payments sent to MTKCRUMMXXX are routed within PJSC Metkombank without problems. Branch codes are only needed if the account holder specifically mentions it, which is more common for business accounts and specialised services.

The safest approach is to copy the code straight from the recipient’s bank details. Branch codes are more prone to be retired than MTKCRUMMXXX.

When will the money arrive at PJSC Metkombank?

How quickly a payment arrives at PJSC Metkombank is determined by several factors: the currency, the number of banks in between, cut-off times and time zones. Bank holidays in the sending or receiving country can add extra days to the journey. Compliance checks by one of the banks can also add some delay, regardless of the details.

If the money seems late, ask the sending bank for the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services usually show a status online showing how far the payment has got.

Only the sending bank can request a trace. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.

How up to date is this code?

The codes here are taken from public sources which we refresh regularly. It is possible that information here is no longer current. The figures we show reflect our own data.

Treat the information here as a helpful check. GoldexPay is an independent comparison service and not part of PJSC Metkombank. If you notice a mistake, we appreciate a short note.

What to give a sender who pays you at PJSC Metkombank

A sender in another country needs several details about your account – incomplete details often cause delays. Give them the account holder’s name, the IBAN or account number, SWIFT code MTKCRUMMXXX and your address, which some banks require.

Certain banks also ask for the address of PJSC Metkombank. A typo in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, PJSC Metkombank may charge for incoming payments, and if the currency changes, an exchange rate margin comes on top. For business payments, you can agree how the fees are split to avoid a shortfall.

Before you send: check the PJSC Metkombank code

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. Compare it with MTKCRUMM here and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or extra fees for investigation. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

Most online banking apps check the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the name with the account before you confirm; take any warning seriously. When you pay someone new, many people send a small test amount.

Why PJSC Metkombank has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. For PJSC Metkombank, the 8-character core is MTKCRUMM.

XXX at the end of MTKCRUMMXXX does not stand for a placeholder or an error: it stands for the main office of PJSC Metkombank. Some banking apps insist on 11 characters, in which case you simply add XXX after MTKCRUMM.

Do not add spaces, dots when you enter MTKCRUMM. Watch for O versus 0 and I versus 1; they are easy to mix up.

International transfers from PJSC Metkombank: the real cost

When you transfer money abroad from PJSC Metkombank, the fee you see is only part of what you pay. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

Banks rarely show the margin on the rate separately, but you pay it all the same. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

Specialist money transfer services often offer a rate near the mid-market rate with clearer fees. On GoldexPay you can compare what recipients receive with different providers. You can still keep your account at PJSC Metkombank as the source of the money.