Slavia Bank SWIFT/BIC code

What SJSMRUMM means for a payment to Slavia Bank

Whether a recipient gives you SJSMRUMM or SJSMRUMMXXX, it is the same identifier for Slavia Bank in Russia. The code has a single purpose: it ensures that money from abroad ends up at the right bank. In practice you mostly come across the code on invoices from abroad, in payment forms and on the account details that Slavia Bank provides.

We wrote this page to help anyone who receives money at an account at Slavia Bank without mistakes. Keep in mind that the SWIFT code just identifies the bank, not the account: the account number or IBAN does that part.

International transfers from Slavia Bank: the real cost

An international bank payment can cost more than the fee suggests. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted the bank often applies a rate below the actual market rate.

Banks rarely show the margin on the rate as a cost – you only notice it if you compare. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often use a rate near the mid-market rate and lower fees. Next time you send money, take a minute to compare the total cost via GoldexPay. Choosing a specialist does not require closing your account at Slavia Bank – you pay the provider from your own account.

Getting paid from abroad into a Slavia Bank account

If you expect money from abroad, give the sender everything they need in one go. Give them your name as the bank knows it, your account number or IBAN, SWIFT code SJSMRUMMXXX and your address.

Certain sending banks want the name and address of Slavia Bank in Moscow. A typo in your account number is more trouble than you might think; copy them from your banking app rather than typing.

An incoming payment will not always arrive in full. Correspondent banks can take a fee, and if the money is converted, a markup on the rate applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

SJSMRUMM or SJSMRUMMXXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. For Slavia Bank, the 8-character core is SJSMRUMM.

XXX at the end of SJSMRUMMXXX is not a placeholder or an error: it stands for the head office of Slavia Bank. Certain payment forms ask for 11 characters, and then you simply enter XXX behind SJSMRUMM.

Do not add spaces, dots when you type SJSMRUMM or SJSMRUMMXXX. Look out for O versus 0 and I versus 1.

How to check SJSMRUMM before you pay

Ask the recipient to copy their account details directly from a recent statement. Check that code against SJSMRUMM on this page; if they differ, ask before you pay.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees along the way. Do not forget the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

A format check by your bank only confirms that the code exists – not that it belongs to the person you mean to pay. More and more banks check the payee name with the account before you confirm. For a first payment, many people start with a small amount first.

Transfer times and tracking a payment to Slavia Bank

There is no single answer: many arrive the same day or the next, others take several business days. Bank holidays in the sending or receiving country add a day or more to the journey. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation; it contains the details a bank needs to start a trace.

A delayed transfer has to be traced by the sending bank. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Where our SWIFT data comes from

The details here are taken from public sources. Even so, banks merge or retire codes and our data may lag behind. Counts and locations come from our directory.

Use this page as a starting point, not as the last word. GoldexPay is independent of Slavia Bank, we only compare transfer services. If you notice something that is out of date, we welcome a message via the contact page.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a request saying that a company now has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Do not trust contact details from the same email that contains the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to start a recall; also report it to the police.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to refund the difference abroad. Wait until the money is actually in your account and check with Slavia Bank if anything seems off.

Slavia Bank: head office code versus branch codes

Slavia Bank uses 5 different SWIFT/BIC codes. Only one is the head office code; the others identify branches or departments, and sometimes specific services.

Usually you do not need to pick a branch: transfers sent to SJSMRUMMXXX reach Slavia Bank correctly. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

The safest approach is to take the code directly from the recipient’s statement. Branch codes are sometimes changed or retired over time.