Ufc Bank PJSC SWIFT/BIC code

SWIFT/BIC code of Ufc Bank PJSC

The 8-character code CLJARUMM and the full code CLJARUMMXXX identify one and the same institution: Ufc Bank PJSC, with its head office in Moscow. A SWIFT code shows the banks handling a payment which institution is meant to get the money, much like a postcode for banks. You will need it mostly when dealing with transfers between countries.

On this page you can read how the code means, when it matters and which other details a transfer to or from Ufc Bank PJSC requires. The SWIFT code alone cannot identify a personal account; for that you need the account number or IBAN is for.

Where our SWIFT data comes from

The details on this page come from public sources. Even so, banks merge or retire codes and our data may lag behind. The number of codes on this page are based on what is in our directory.

Use this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is independent of Ufc Bank PJSC, we only compare transfer services. Should you notice a mistake, we welcome a short note.

When will the money arrive at Ufc Bank PJSC?

An international transfer usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country can add a day or more. Occasionally a bank asks about the purpose of a payment before releasing it.

When a payment takes longer than expected, contact your bank for the status so they can trace it along the chain. Specialist transfer services often provide a status in their app showing how far the payment is.

The bank that sent the money can start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, it helps to look at your statements to see a slightly lower amount because fees can reduce the amount.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a request saying that a contact now has new bank details. The fact that CLJARUMM exists is no guarantee that a request mentioning it is legitimate.

Do not trust contact details from the same email that contains the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also work the other way. Someone sends more than agreed and wants you to return the difference via a different route. Do not act before the money is actually in your account.

Head office or branch code at Ufc Bank PJSC?

Having 2 codes, Ufc Bank PJSC belongs to the banks that use separate codes for branches and departments. The head office code is CLJARUMMXXX.

Usually you do not need to pick a branch: transfers sent to CLJARUMMXXX reach Ufc Bank PJSC correctly. Only use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

Not sure which code to use? Ask the recipient. Codes can change when banks reorganise, so a code from an old document is not always valid.

What to give a sender who pays you at Ufc Bank PJSC

Someone abroad who wants to pay you will ask for several details about your account. Share your name as the bank knows it, the IBAN or account number, the BIC CLJARUMMXXX and your address.

You can add the bank name and its city as well, since some forms ask for it. A mistake in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

An incoming payment does not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. For business payments, you can agree how the fees are split.

Paying someone abroad from your Ufc Bank PJSC account

When you transfer money to another country through Ufc Bank PJSC, the visible fee is only part of the cost. On top of a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank usually applies a rate that is less favourable than the real market rate.

Banks do not show their exchange rate markup as a cost. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Ufc Bank PJSC as the source of the money, while a cheaper service handles the conversion.

CLJARUMM or CLJARUMMXXX – which one to use?

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. Combined, these eight characters form CLJARUMM – the version you usually see online.

Most banks and apps accept either length. If a form requires eleven characters, use CLJARUMMXXX.

Leave out spaces, dots when you enter CLJARUMM or CLJARUMMXXX. A wrong character may route a payment to a different institution, so copy it carefully.

How to check CLJARUMM before you pay

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have differs from CLJARUMM or CLJARUMMXXX, stop and ask.

An incorrect BIC can cause a delay, a payment being sent back or extra fees along the way. A mistake in the IBAN or account number is a bigger problem; check it just as carefully.

Many banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. Where available, a payee name check on the recipient gives extra certainty. A small test payment is a sensible step for large sums, even if it costs an extra fee.