SWIFT/BIC codes in Tajikistan

Finding a SWIFT code in Tajikistan

In Tajikistan our database holds 31 SWIFT/BIC codes from 30 financial institutions. You need a SWIFT/BIC code mainly for payments across borders.

Search for the bank you need in the list and click through for all codes we have and the details a transfer needs. The sections below covers how the codes work, what transfers cost and how to avoid mistakes before you send money.

Getting paid from abroad into an account in Tajikistan

If you are waiting for money from abroad on an account in Tajikistan, send the payer all details at once. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up the bank in the list on this page, but take the code from your own bank details when in doubt. It helps to include your bank’s name and city as well because some forms have separate fields for it.

What lands in your account can be lower than the amount sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and if the money is converted, an exchange rate margin applies. Agree with the sender who pays which costs.

Check the code before you pay

Ask the recipient to copy their bank details straight from a recent statement. When the code you were given differs from the code listed here, do not guess – contact the recipient or their bank.

We gather SWIFT/BIC codes using public sources and check our list regularly. Still, banks merge, rename themselves or change codes, so information can be out of date. Treat this list as a reference rather than the last word. GoldexPay is an independent comparison site and has no link to the banks in this list.

Watch out for invoices with a new account – a common fraud method. A valid BIC says nothing about whether a request is genuine: criminals use real codes too.

How SWIFT codes from Tajikistan are built

A SWIFT code is 8 or 11 characters long and follows a fixed pattern. The first four letters stand for the bank, characters five and six form the country code and characters seven and eight give the location.

For banks in Tajikistan, letters five and six show the two-letter ISO code of Tajikistan, which makes these codes easy to recognise. When the country letters point to another country, the code belongs to a bank somewhere else – worth double-checking.

The last three characters, if present, identify a branch or department; XXX means the head office. In most cases the head office code is fine.

International payments to Tajikistan and the BIC

For Tajikistan you will usually need the BIC – Tajikistan is not a SEPA country. Without it, most banks will not process the payment at all.

Not every country uses IBAN numbers – where there is none, the local account number is enough. Check with the recipient which details their bank requires for payments from abroad; banks often publish instructions for this. Before it arrives, a payment can pass through intermediary banks that charge for their part.

The cheapest way to send money to Tajikistan

When you send money to Tajikistan with a regular bank, the fee you see is only part of the cost. There is the transfer fee, possibly charges from intermediary banks and, most importantly, the exchange rate markup when currencies differ.

The real cost is often in the rate, rather than in the fee: banks convert at a rate with a margin built in. Check the rate you are offered against the mid-market rate, the midpoint you see on financial news sites. The difference is your real cost.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives in Tajikistan with different providers, so you can pick the cheapest route.

How long does a transfer to Tajikistan take?

An international transfer to Tajikistan usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in Tajikistan or in the sending country add extra days to the journey.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR. Money transfer services usually provide a status in their app, which makes it easier to see where the money is.

Which bank in Tajikistan has the most codes?

Of all banks we list for Tajikistan, Kazkommertsbank Tajikistan has the most codes. Its head office code is KATJTJ21XXX.

The number of codes says something about how it registers branches and services than about its size. If not the recipient asks for a branch, the head office code KATJTJ21XXX works for a payment to Kazkommertsbank Tajikistan.