Vtb 24 (PJSC) SWIFT/BIC code

Vtb 24 (PJSC) SWIFT code: CBGURUMM

Whether you are given CBGURUMM or CBGURUMMXXX, you are looking at the same address for Vtb 24 (PJSC) in Russia. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. You will need it mainly for transfers between countries or a currency.

Further down you will find the practical questions: receiving money at Vtb 24 (PJSC), paying someone in another country and how to check the code before you hit send. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Vtb 24 (PJSC): head office code versus branch codes

Vtb 24 (PJSC) has 9 different SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments.

Usually there is no need to look up a branch: payments sent to CBGURUMMXXX are routed within Vtb 24 (PJSC) correctly. A branch code only makes sense when the account holder specifically asks for it.

The best way is to take the code straight from the account holder’s statement. Branch codes can change over time.

How long does an international transfer to Vtb 24 (PJSC) take?

A SWIFT payment usually needs one to a few business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on a weekend or public holiday often start the next business day. Extra checks on larger or unusual payments can also add some delay, even when all details are correct.

When a payment takes longer than expected, contact the sending bank about the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide tracking in their app showing where the payment is.

A missing payment has to be traced from the sending side. On the receiving end, you can check your statements to see a slightly lower amount because fees can reduce the amount.

Scams that use SWIFT codes

One of the most common tricks works like this: you receive a message claiming that a company has a new bank account. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, verify changed bank details by phone on a number you know, not one from the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. If money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also work the other way: someone claims to have sent more than agreed and asks you to return the difference. A payment confirmation from the sender is no proof – check your own account.

8 or 11 characters: CBGURUMM versus CBGURUMMXXX

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. Together, those parts form CBGURUMM.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, which is why CBGURUMMXXX and CBGURUMM lead to the same place.

Type the code in one piece, in upper case and without separators. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Is CBGURUMM still correct? How to check

Have the recipient send you the bank details directly from a recent statement. Compare that code against CBGURUMM here and ask if anything does not match.

Mistakes in the SWIFT code are costly more than fatal – usually the money comes back, minus fees and time lost. Do not forget the IBAN: a mistake there is more difficult to undo than a wrong code.

A format check in your banking app only tells you that the code is valid. Where available, a name check on the recipient gives extra certainty. Sending a small amount first is worth it for a large first payment despite the extra fee.

What a transfer from Vtb 24 (PJSC) abroad really costs

If you send money abroad via Vtb 24 (PJSC), the visible fee is rarely all of what you pay. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Banks rarely show their exchange rate markup separately, but you pay it all the same. An easy check: put the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider is less expensive than a bank. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can always use your account at Vtb 24 (PJSC) as the source of the money.

Where our SWIFT data comes from

This directory draws on public sources and is updated regularly. Still, banks merge or change codes and our data may lag behind. The number of codes on this page are based on our own data, not official figures from Vtb 24 (PJSC).

See our directory on this page as a handy check and rely on the recipient or Vtb 24 (PJSC) for the final confirmation. GoldexPay is an independent comparison site and not part of Vtb 24 (PJSC). If you notice something that is out of date, we appreciate a message.

Incoming international payments to Vtb 24 (PJSC)

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code CBGURUMMXXX and, often, your postal address.

The sender’s bank may request the address of your bank, in which case the Moscow head office is the usual answer. A typo in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who covers the fees, especially for larger amounts.