Transkapitalbank SWIFT/BIC code

SWIFT/BIC code of Transkapitalbank

Whether you are given TJSCRUMM or TJSCRUMMXXX, you are looking at the identical identifier for Transkapitalbank in Russia. Every bank on the SWIFT network uses these codes to direct international transfers to the right bank. In practice you usually come across the code on international invoices, in payment forms and in the bank details of Transkapitalbank customers.

We wrote this page to help people who sends money to an account at Transkapitalbank without mistakes. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number does that part.

Tracking a transfer to or from Transkapitalbank

A SWIFT payment typically takes anywhere from one to several business days. Bank holidays in either country add a day or more, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, contact your bank for the tracking status and the transaction reference. Money transfer services usually provide tracking in their app showing where the money has got.

A delayed transfer is traced by the sending bank. On the receiving end, it helps to check your account to see a partial amount.

About this information

The details here come from public sources which we refresh regularly. It can happen that information here is out of date. The number of codes we show are based on what is in our directory.

Before any payment of any size, always check the BIC with Transkapitalbank or the recipient. We are a comparison service and not affiliated with Transkapitalbank. Found an error? Tell us via our contact form and we will look into it.

Paying someone abroad from your Transkapitalbank account

A bank transfer abroad costs rather more than the listed fee. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup if the currency changes.

That exchange rate margin tends to be the biggest item, and it is easy to miss. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. GoldexPay lists transfer providers side by side, showing what actually arrives for the same amount sent. Using a transfer service does not mean closing your account at Transkapitalbank – you pay the provider from your own account.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message saying that a company has a new bank account and that the next payment should go there. That TJSCRUMM is a real code is no guarantee that the account is legitimate.

Check new bank details via a separate channel, never via the email that asked for the change. Pressure and secrecy tend to be warning signs – a real supplier can wait a day. Acted too fast? Call the bank you paid from straight away and have them start a recall and report the fraud.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived.

Getting paid from abroad into a Transkapitalbank account

If you expect money from abroad, send the payer a complete set of details. That means: your full name as registered with Transkapitalbank, your IBAN or account number, the BIC TJSCRUMMXXX (or TJSCRUMM) and usually your postal address.

You can include the bank name and its city too, because some payment forms have separate fields for them. Check the details before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank – the price list of Transkapitalbank tells you what applies. Agree with the sender who covers the fees.

Why Transkapitalbank has an 8- and an 11-character code

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two give the country and characters seven and eight indicate the location. Combined, those parts make up TJSCRUMM, the code most people search for.

XXX at the end of TJSCRUMMXXX is not a missing value or an error: it indicates the main office of Transkapitalbank. Some forms ask for 11 characters, in which case you can enter XXX after TJSCRUMM.

Do not add spaces or dashes when you type TJSCRUMM; the code is always written in one block. Watch for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Transkapitalbank: head office code versus branch codes

Having 20 codes in 20 cities, Transkapitalbank belongs to the banks that register separate codes for branches. The head office code remains TJSCRUMMXXX.

For most incoming transfers, the head office code TJSCRUMMXXX works fine. A branch code only makes sense when the recipient’s bank specifically mentions it.

The safest route is to copy the code straight from the recipient’s invoice. Codes can change over time, so a code from an old document is not always valid.

Is TJSCRUMM still correct? How to check

Ask the recipient to send you the bank details directly from their banking app. When the code you were given differs from TJSCRUMM or TJSCRUMMXXX, stop and ask.

Mistakes in the SWIFT code tend to be costly rather than fatal. Remember the account number: a mistake there can be harder to undo than a wrong code.

Many banking apps check the structure of IBANs – that confirms the format, not the owner. Some banks now compare the name with the account before you confirm. When you pay someone new, many people start with a small amount first.