Vozrozhdenie Bank SWIFT/BIC code

What VBNKRUMM means for a payment to Vozrozhdenie Bank

Whether a recipient gives you VBNKRUMM or VBNKRUMMXXX, it is the same address for Vozrozhdenie Bank in Russia. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. It comes up mostly for payments that cross a border.

On this page you will find what the code means, when it matters and what else a transfer to or from Vozrozhdenie Bank requires. A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

How to check VBNKRUMM before you pay

Have the recipient copy their bank details directly from their online banking. Compare it against VBNKRUMM here; if they differ, ask before you pay.

An incorrect BIC can cause a delay, a payment being sent back or extra fees along the way. Do not forget the IBAN: an error there can be 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. Some banks now compare the name against the account before you confirm. When you pay someone new, some people start with a small test amount before sending the rest.

Changed bank details? Be careful

Criminals regularly send payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that VBNKRUMM exists is no guarantee that the account is genuine.

Never rely on 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. When money was sent to a fraudster, call your bank right away.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference. A payment confirmation from the sender is no proof.

International transfers from Vozrozhdenie Bank: the real cost

An international bank payment costs rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks can take a cut, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

The real cost is often in the rate, not in the fee: many banks convert at a rate with a margin built in. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites.

Specialist money transfer services often offer a rate near the mid-market rate. GoldexPay lists transfer providers side by side, showing the amount the recipient gets for the same amount sent. You can still use your account at Vozrozhdenie Bank.

Where our SWIFT data comes from

The directory on GoldexPay is based on public sources and we update it periodically. It can happen that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes come from our own dataset.

For a payment of any size, always confirm the code with the recipient’s bank or with the recipient. GoldexPay is not affiliated with Vozrozhdenie Bank, we only compare transfer services. Should you notice a mistake, we welcome a short note via the contact page.

What to give a sender who pays you at Vozrozhdenie Bank

Someone abroad who wants to pay you needs several details from you – incomplete details often cause delays. What they need is: the account holder’s name, account number or IBAN, VBNKRUMMXXX and, for some countries, your postal address.

Some sending banks want the name and address of Vozrozhdenie Bank. 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 land in full. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. For business payments, you can agree who bears the costs to avoid a shortfall.

8 or 11 characters: VBNKRUMM versus VBNKRUMMXXX

A BIC is made up of fixed blocks: characters one to four identify the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, these eight characters make up VBNKRUMM – the version you usually see online.

The 11-character version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why VBNKRUMMXXX and VBNKRUMM lead to the same place.

In practice the code is written in capitals, without spaces or dashes. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Transfer times and tracking a payment to Vozrozhdenie Bank

There is no single answer for every transfer: some land the same day or the next while others need several business days. Weekends and public holidays in the sending or receiving country add a day or more, since banks do not process on those days. Extra checks by one of the banks may also add some delay, even when all details are correct.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR that banks can use to trace it. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

A missing payment is investigated by the sending bank. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Choosing between the 17 SWIFT codes of Vozrozhdenie Bank

We have 17 SWIFT/BIC codes for Vozrozhdenie Bank in 17 places. Next to the head office code VBNKRUMMXXX, there are codes for individual branches and departments.

Usually there is no need to look up a branch: transfers sent to VBNKRUMMXXX reach Vozrozhdenie Bank without problems. Just use a branch code when your contact explicitly asks for it.

Unsure which code applies? Check with the recipient, or look at a recent statement from Vozrozhdenie Bank. Branch codes are more likely to change than VBNKRUMMXXX.