Unicredit Bank Ao SWIFT/BIC code

Unicredit Bank Ao SWIFT code: IMBKRUMM

IMBKRUMM and IMBKRUMMXXX are two ways of writing the same SWIFT/BIC code, and both point to Unicredit Bank Ao in Moscow. A BIC has a single purpose: it ensures that money from abroad reaches the right bank. It comes up mainly for transfers between countries or a currency.

This page is meant to help anyone who sends money to an account at Unicredit Bank Ao. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Incoming international payments to Unicredit Bank Ao

When you are waiting for money from abroad, give the sender all details at once. Give them the account holder’s name, the IBAN or account number, the BIC IMBKRUMMXXX and your address, which some banks require.

Their bank may also ask for the bank address of Unicredit Bank Ao; the head office in Moscow is usually fine. Double-check every detail before you send them.

Expect that the amount credited is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Agree with the sender who covers the fees.

8 or 11 characters: IMBKRUMM versus IMBKRUMMXXX

The structure of every SWIFT code is always the same: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. In this case, the 8-character core is IMBKRUMM.

The long version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office.

Enter the code as one block, in upper case and without spaces, exactly as shown here. Look out for the letter O and the digit 0 and the letter I and the digit 1.

Tracking a transfer to or from Unicredit Bank Ao

How fast a payment arrives at Unicredit Bank Ao is determined by several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add a day or more. Occasionally a bank wants to know what the payment is for.

If the money seems late, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

The bank that sent the money can request a trace. As a recipient, it helps to look at your statements to see a partial amount because fees can reduce the amount.

What a transfer from Unicredit Bank Ao abroad really costs

The price of an international transfer has more than one component. On top of a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank often applies a rate below the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. GoldexPay compares transfer providers side by side, showing the amount the recipient gets. You can always use your account at Unicredit Bank Ao to fund the transfer; only the conversion and sending happen elsewhere.

Watch out for payment fraud

Stay alert if someone unexpectedly asks you to send money to a different account abroad. The fact that IMBKRUMM exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Check new payment details through a separate channel, such as a phone number you already know, not by replying to the message. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. If money has already gone to the wrong account, call your bank right away.

People receiving money are targeted too: one known trick is an overpayment followed by a request to refund the difference abroad. A screenshot of a transfer proves nothing.

Which of the 3 codes of Unicredit Bank Ao do you need?

Unicredit Bank Ao has 3 different SWIFT/BIC codes. One of them is the head office code, IMBKRUMMXXX; the others belong to branches, and sometimes specific services.

Usually you do not need to pick a branch: payments addressed to IMBKRUMMXXX reach Unicredit Bank Ao without problems. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

Not sure which code applies? Check with the recipient or the bank itself. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Before you send: check the Unicredit Bank Ao code

The best place to find the correct BIC is a document from the bank itself. If the code you have differs from IMBKRUMM or IMBKRUMMXXX, stop and ask: check with the recipient or with Unicredit Bank Ao directly.

Mistakes in the BIC tend to be costly rather than disastrous: often the payment comes back, minus fees. An error in the account number can be more serious, so check that just as carefully.

An automatic check in your banking app merely tells you that the IBAN is valid. If your bank offers it, a payee name check before sending gives an extra layer of safety. For a first payment, some people start with a small amount first.

About this information

We gather bank codes from public sources and check our list from time to time. Banks reorganise, change names and retire codes. The number of codes on this page are based on our own data.

Treat our directory on this page as a helpful check and rely on the recipient or Unicredit Bank Ao for the final confirmation. We are a comparison service and not affiliated with Unicredit Bank Ao. Found outdated information? Tell us via our contact form so we can correct it.