Tarkhany Regional Bank Oao SWIFT/BIC code

Tarkhany Regional Bank Oao SWIFT code: TARYRU21

TARYRU21 and TARYRU21XXX are two ways of writing the same SWIFT/BIC code, and both point to Tarkhany Regional Bank Oao in Penza. Banks worldwide use BIC codes to route international transfers to the correct institution. It comes up mostly when dealing with payments that cross a border.

This page is meant to help people who receives money at an account at Tarkhany Regional Bank Oao without mistakes. Remember that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

What to give a sender who pays you at Tarkhany Regional Bank Oao

When you expect money from abroad, give the sender everything they need in one go. Give them the account holder’s name, your account number or IBAN, SWIFT code TARYRU21XXX and your address, which some banks require.

You can add the bank name and Penza as well, since some forms ask for it. Double-check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the amount credited is below what the sender paid. Fees for incoming transfers differ from bank to bank. On invoices, it is common to agree how the fees are split, so that nobody is left short.

International transfers from Tarkhany Regional Bank Oao: the real cost

The price of an international transfer is made up of several parts. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

The real cost is often in the rate, rather than in the fee: many banks convert at a rate with a margin built in. Compare their rate with the mid-market rate; the gap is what conversion costs you.

Money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares transfer providers next to each other so you can see the amount the recipient gets for the same amount sent. You can always keep your account at Tarkhany Regional Bank Oao; only the conversion and sending happen elsewhere.

How up to date is this code?

We collect SWIFT/BIC codes using public sources and update them from time to time. It is possible that a code here is no longer current. Figures such as the number of codes come from our directory and are not confirmed by Tarkhany Regional Bank Oao.

Use our data as a starting point, rather than as the final word. GoldexPay is independent of Tarkhany Regional Bank Oao; we are a comparison site for money transfers. Spotted an error? Tell us via our contact form so we can correct it.

Transfer times and tracking a payment to Tarkhany Regional Bank Oao

There is no single answer: many arrive within a day. Transfers sent late in the day or just before weekends and holidays usually go out a business day later. Occasionally a bank asks about the purpose of a payment, which can hold things up.

Many banks use SWIFT gpi. Every payment gets a unique 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 is.

A delayed transfer is traced by the sending bank, using the payment confirmation. Request from the sender the payment receipt; that often settles the question quickly.

Scams that use SWIFT codes

A common scam works like this: you receive a message claiming that a supplier now has new bank details and asking you to pay there from now on. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Verify changed bank details through a different channel, such as a phone number you already know, never via the email that asked for the change. Urgency or secrecy are red flags – a real supplier can wait a day. Already paid? Call your bank without delay and have them try to recall the payment; also report it to the police.

Fraud can also work the other way: someone sends too much and asks you to refund the extra to a new account. Wait until the money has really arrived – ask Tarkhany Regional Bank Oao if something looks wrong.

What the XXX in TARYRU21XXX means

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. Together, those parts form TARYRU21 – the version you usually see online.

Most payment forms work with both lengths. If a form requires eleven characters, enter TARYRU21XXX; if it wants eight, use TARYRU21.

Type the code as one block, in capitals and without spaces. Look out for O versus 0 and I versus 1.

Is TARYRU21 still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare it against TARYRU21 on this page and ask if anything does not match.

An incorrect BIC may lead to a delay, a payment being sent back or additional charges along the way. Remember the IBAN: an error there is more difficult to undo than a wrong code.

Most online banking apps check the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check on the recipient adds extra certainty. When you pay someone new, some people send a small amount first and wait for confirmation.

Which of the 5 codes of Tarkhany Regional Bank Oao do you need?

We have 5 SWIFT/BIC codes for Tarkhany Regional Bank Oao. Next to the head office code TARYRU21XXX, you will find codes for individual branches and departments.

For the vast majority of incoming transfers, the head office code TARYRU21XXX works fine. Branch codes are only needed if the account holder explicitly asks for it.

Not sure which code applies? Check with the recipient. Branch codes are more prone to be retired than TARYRU21XXX when a bank merges or closes offices.