PJSC Tomskpromstroybank SWIFT/BIC code

What TMKPRU21 means for a payment to PJSC Tomskpromstroybank

TMKPRU21 and TMKPRU21XXX are two spellings of the same SWIFT/BIC code, and both lead to PJSC Tomskpromstroybank in Tomsk. A SWIFT code shows the banks handling a payment which institution is meant to get the money, much like a postcode for banks. It comes up mostly for payments that cross a border.

Further down you will find the practical side: receiving money at PJSC Tomskpromstroybank, sending money abroad and how to verify the code before you hit send. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN .

TMKPRU21 or TMKPRU21XXX – which one to use?

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. That gives you TMKPRU21, the short form of the code.

The 11-character version has three more characters that identify a branch or department. If the last three are XXX, the code points to the head office, so TMKPRU21XXX and TMKPRU21 are interchangeable.

In practice the code is written in capitals. Watch for the letter O and the digit 0 or I versus 1; they are easy to mix up.

Receiving money from abroad at PJSC Tomskpromstroybank

Someone abroad who wants to pay you needs several details from you. The basics are: the account holder’s name, IBAN or account number, TMKPRU21XXX and in many cases your postal address.

The sender’s bank might request the bank address of PJSC Tomskpromstroybank; the head office in Tomsk is usually fine. Check each detail before you share them.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, PJSC Tomskpromstroybank may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. For business payments, you can agree how the fees are split.

Choosing between the 9 SWIFT codes of PJSC Tomskpromstroybank

With 9 codes in 6 cities, PJSC Tomskpromstroybank is one of the banks that register separate codes for branches. The head office code is TMKPRU21XXX.

Unless the recipient tells you otherwise, go with TMKPRU21XXX. Branch codes are only needed if the recipient’s bank explicitly asks for it.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more prone to change than TMKPRU21XXX.

Verifying the SWIFT code of PJSC Tomskpromstroybank

Have the recipient send you their bank details straight from a recent statement. When the code you were given does not match TMKPRU21 or TMKPRU21XXX, do not guess: check with the recipient or with PJSC Tomskpromstroybank directly.

With a wrong code, the transfer might get stuck, bounce back or cost extra. Do not forget the IBAN: an error there is more difficult to correct than a wrong BIC.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically. Some banks now check the name against the account – do not ignore a mismatch warning. For a first payment, many people start with a small test amount and wait for confirmation.

How up to date is this code?

The details on this page come from publicly available data that we update regularly. Even so, banks merge or change codes and our data may lag behind. Counts and locations come from our own dataset and are not confirmed by PJSC Tomskpromstroybank.

Treat this page as a starting point, rather than as the last word. GoldexPay is independent of PJSC Tomskpromstroybank; we are a comparison site for money transfers. Found an error? Tell us through the contact page so we can correct it.

What a transfer from PJSC Tomskpromstroybank abroad really costs

If you send money to another country through PJSC Tomskpromstroybank, the fee you see is rarely all of what you pay. On top of the transfer fee, banks in between can take a cut, and if the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

The real cost is often in the rate, not in the fee: many banks convert using an exchange rate that includes a margin. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive across services, so you can pick the cheapest route. You can always use your account at PJSC Tomskpromstroybank as the source of the money, while a cheaper service handles the conversion.

Tracking a transfer to or from PJSC Tomskpromstroybank

There is no single answer: some land the same day or the next, others take several business days. Bank holidays in either country add a day or more to the journey. Extra checks by one of the banks can also add a delay.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR. Specialist transfer services often provide tracking in their app so you can see how far the payment has got.

The bank that sent the money is able to start an official trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to look at your statements to see a partial amount.

Watch out for payment fraud

Fraudsters regularly send payment requests containing changed bank details sent from what looks like a familiar address. A valid SWIFT code says nothing about who owns the account.

Do not trust a phone number in the same message that contains the change. Urgency or secrecy are red flags – a real supplier can wait a day. When a payment was sent to the wrong account, call your bank right away.

Fraud can also target the receiver: someone sends too much and asks you to refund the extra to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.