Rosgosstrakh Bank SWIFT/BIC code

What RUIDRUMM means for a payment to Rosgosstrakh Bank

Whether you are given RUIDRUMM or RUIDRUMMXXX, it is the same identifier for Rosgosstrakh Bank in Russia. Every bank on the SWIFT network uses these codes to direct international transfers to the correct bank. In practice you usually come across the code on invoices from abroad, in payment forms and in the bank details of Rosgosstrakh Bank customers.

We wrote this page to help people who pays into an account at Rosgosstrakh Bank and wants to get the details right. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

Protect yourself against fake payment requests

Stay alert if a contact unexpectedly asks you to send money to another account or a bank in another country. A correct SWIFT code says nothing about who owns the account.

Do not trust a phone number in the same message that announces the new account. Watch out for time pressure, unusual wording or an email address that differs by one letter. Already paid? Call your bank straight away and have them start a recall; also report it to the police.

Fraud also work the other way. Someone sends more than agreed and wants you to return the extra via a different route. Do not act before the money has really arrived – ask Rosgosstrakh Bank if something looks wrong.

How to check RUIDRUMM before you pay

Have the recipient send you the account details straight from their banking app. Compare it against RUIDRUMM on this page; if they differ, ask before you pay.

Errors in the BIC are annoying more than disastrous. An error in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

An automatic check in your banking app merely tells you that the IBAN is valid, not that it is the right account. If your bank offers it, a name check on the recipient gives an extra layer of safety. A small test payment can be a sensible step for large sums despite the extra fee.

What the XXX in RUIDRUMMXXX means

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, characters five and six show the country and the two after that mark the location. For Rosgosstrakh Bank, that core is RUIDRUMM.

The 11-character version has three more characters for a branch or department. If the last three are XXX, the code points to the head office.

As a rule the code is written in capitals and without spaces. Look out for O versus 0 or I versus 1.

What to give a sender who pays you at Rosgosstrakh Bank

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. That means: your name exactly as it appears on the account, your IBAN or account number, the BIC RUIDRUMMXXX and sometimes your postal address.

The sender’s bank might also ask for the address of your bank, in which case the Moscow head office is the usual answer. A mistake in your account number is more trouble than you might think, so copy the details from your online banking.

Expect that the incoming amount is below what the sender paid. Correspondent banks can take a fee, Rosgosstrakh Bank may charge for incoming payments, and if the currency changes, an exchange rate margin comes on top. For business payments, it is common to agree who bears the costs, so that nobody is left short.

International transfers from Rosgosstrakh Bank: the real cost

A bank transfer abroad costs more than the fee suggests. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

Banks do not show their exchange rate markup as a cost – you only notice it if you compare. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares transfer providers next to each other, showing the amount the recipient gets. You can always use your account at Rosgosstrakh Bank as the source of the money, while a cheaper service handles the conversion.

Head office or branch code at Rosgosstrakh Bank?

With 9 codes in 9 locations, Rosgosstrakh Bank belongs to the banks that register individual codes for parts of the organisation and departments. The head office code remains RUIDRUMMXXX.

Usually there is no need to look up a branch: transfers addressed to RUIDRUMMXXX reach Rosgosstrakh Bank without problems. Just use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so a code from an old document is not always valid.

About this information

The directory on GoldexPay is compiled from public sources and we update it periodically. Institutions reorganise, change names and change codes. Counts and locations come from our own dataset.

Treat our directory here as a handy check, and let the details from the recipient or Rosgosstrakh Bank have the final say. GoldexPay is independent of Rosgosstrakh Bank; we are a comparison site for money transfers. Spotted outdated information? Tell us via our contact form and we will look into it.

When will the money arrive at Rosgosstrakh Bank?

How quickly a payment reaches Rosgosstrakh Bank is determined by a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in either country can add extra days. Extra checks on larger or unusual payments may also cause a delay.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services often show a status in their app showing how far the money has got.

Only the sending bank is able to start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, you can check your statements to see a partial amount because fees can reduce the amount.