Postal Savings Bank JSC SWIFT/BIC code

SWIFT/BIC code of Postal Savings Bank JSC

SBPORSBG and SBPORSBGXXX are the short and the long form of the same SWIFT/BIC code, and both point to Postal Savings Bank JSC in Beograd. The code has a single purpose: it ensures that a cross-border transfer ends up at the right bank. You will need it mainly for transfers between countries and payments in foreign currencies.

Below you will find the practical side: money coming in from abroad, paying someone in another country and how to check the code before you confirm a payment. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Verifying the SWIFT code of Postal Savings Bank JSC

Ask the recipient to copy the bank details straight from their banking app. When the code you were given differs from SBPORSBG or SBPORSBGXXX, do not guess – contact the recipient or Postal Savings Bank JSC.

An incorrect BIC may lead to a delay, a returned payment or extra fees along the way. Remember the IBAN: a mistake there can be harder to correct than a wrong code.

Most online banking apps check the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Some banks now check the payee name with the account; take any warning seriously. When you pay someone new, many people send a small test amount.

How up to date is this code?

The codes here come from public sources which we refresh regularly. Still, banks merge or retire codes, so information can be out of date. The number of codes we show reflect our own data.

Use this page as a starting point, rather than as the last word. GoldexPay has no connection to Postal Savings Bank JSC, we only compare transfer services. If you notice a mistake, we appreciate a message via the contact page.

Watch out for payment fraud

Stay alert if someone suddenly wants you to pay into a different account. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Before paying, confirm a change of bank details by phone, using a number you already had. Pressure and secrecy are red flags. Acted too fast? Call the bank you paid from straight away and ask them to try to recall the payment and report the fraud.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof.

What a transfer from Postal Savings Bank JSC abroad really costs

If you send money abroad from Postal Savings Bank JSC, the visible fee is rarely all of the cost. Besides the transfer fee, banks in between may deduct a fee, and when currencies are converted the bank often uses a rate below the real market rate.

The real cost is often in the rate: many banks convert using an exchange rate with a margin built in. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. Using a transfer service does not require closing your account at Postal Savings Bank JSC: you simply pay the service from your account.

Incoming international payments to Postal Savings Bank JSC

Someone abroad who wants to pay you needs several details from you, and missing ones are a common cause of delays. Give them the account holder’s name, your account number or IBAN, SWIFT code SBPORSBGXXX and your address.

It helps to include the bank name and Beograd as well, because some payment forms have separate fields for them. Check the details before you share them.

Money from abroad does not always arrive in full. Charges on incoming payments vary per bank; check the price list of Postal Savings Bank JSC. For business payments, you can agree how the fees are split.

Postal Savings Bank JSC: head office code versus branch codes

Postal Savings Bank JSC uses 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the rest belong to branches.

If nobody asks you for a branch code, use SBPORSBGXXX or its short form SBPORSBG. Only use a branch code when your contact explicitly asks for it.

Unsure which code to use? Check with the recipient, or look at a recent statement from Postal Savings Bank JSC. Codes can change over time, so a code from an old document is not always valid.

Tracking a transfer to or from Postal Savings Bank JSC

How fast a transfer reaches Postal Savings Bank JSC depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add extra days, since banks do not process on those days. Compliance checks on larger or unusual payments can also cause some delay, even when all details are correct.

If a transfer is late, ask your bank about the status and the transaction reference. Specialist transfer services often provide a status in their app so you can see where the payment is.

If the money does not arrive within the expected time, the person who paid needs to start with their own bank, not the receiving bank. On the receiving end, it helps to check your statements to see a slightly lower amount, since fees may have been deducted.

Why Postal Savings Bank JSC has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: characters one to four identify the bank, the next two show the country and characters seven and eight indicate the location. Together, these eight characters form SBPORSBG – the version you usually see online.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, which is why SBPORSBGXXX and SBPORSBG lead to the same place.

Type the code in one piece, in upper case and without spaces, exactly as shown here. Pasting the code beats retyping it: a typo can point to another bank.