Kazkommertsbank Tajikistan SWIFT/BIC code

Kazkommertsbank Tajikistan SWIFT code: KATJTJ21

The short code KATJTJ21 and the full code KATJTJ21XXX refer to the same bank: Kazkommertsbank Tajikistan in Dushanbe, Tajikistan. A BIC has a single purpose: it ensures that an international payment ends up at the right bank. In practice you usually see the code on international invoices, in your banking app and on the account details of Kazkommertsbank Tajikistan customers.

We wrote this page to help people who sends money to an account at Kazkommertsbank Tajikistan and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number does that part.

Is KATJTJ21 still correct? How to check

Have the recipient send you the bank details straight from their online banking. Check that code against KATJTJ21 here; if they differ, ask before you pay.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees along the way. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else.

A format check in your banking app merely confirms that the code exists, not that it is the right account. Some banks now compare the payee name against the account before you confirm – do not ignore a mismatch warning. When you pay someone new, many people start with a small test amount before sending the rest.

A note on our data

The details on this page are taken from publicly available data. It is possible that a code on this page is out of date, for example after a merger. The number of codes on this page reflect our own data.

Treat this page as a starting point, rather than as the last word. GoldexPay is an independent comparison service and not part of Kazkommertsbank Tajikistan. If you notice something that is out of date, we welcome a message via the contact page.

Incoming international payments to Kazkommertsbank Tajikistan

For an international payment into your account at Kazkommertsbank Tajikistan, the person paying you needs not just the SWIFT code. Share your name as the bank knows it, your account number or IBAN, SWIFT code KATJTJ21XXX and your address.

It helps to add Kazkommertsbank Tajikistan and Dushanbe as well, since some forms ask for it. Check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank; check the price list of Kazkommertsbank Tajikistan. On invoices, you can agree how the fees are split to avoid a shortfall.

When will the money arrive at Kazkommertsbank Tajikistan?

A SWIFT payment typically needs one to a few business days, depending on the currency, the route and the banks involved. Payments made late in the day or on a weekend or public holiday usually start the next business day. Extra checks by one of the banks can also cause some delay, even when all details are correct.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR. Money transfer services usually provide a status in their app so you can see where the payment has got.

A delayed transfer has to be investigated from the sending side. As a recipient, you can check your account for a partial amount.

Protect yourself against fake payment requests

A common scam works like this: you receive a message claiming that a supplier now has a new bank account and asking you to pay there from now on. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify changed payment details via a different channel like a call to a number from an earlier contract, not by replying to the message. Pressure and secrecy are warning signs; a genuine business can wait for you to check. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment; also report it to the police.

Recipients are targeted too: one known trick is an overpayment and then sends a request to send back the difference to another account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

What the XXX in KATJTJ21XXX means

The structure of a BIC never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. Together, these eight characters make up KATJTJ21, the code most people search for.

The full version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, so KATJTJ21XXX and KATJTJ21 are interchangeable.

Enter the code in one piece, in capitals and without separators. A single letter can send a payment to another bank, so check it twice.

Choosing between the 2 SWIFT codes of Kazkommertsbank Tajikistan

Kazkommertsbank Tajikistan uses 2 different SWIFT/BIC codes across 1 cities. One of them is the head office code, KATJTJ21XXX; the others belong to branches or departments.

For most payments to a private or business account, the head office code KATJTJ21XXX is the right choice. If you have been given a specific code, use it as it is instead of swapping it for the head office code.

When in doubt, ask the person you are paying which code their bank gave them. Codes for branches are more prone to be retired than KATJTJ21XXX when a bank merges or closes offices.

Paying someone abroad from your Kazkommertsbank Tajikistan account

What you pay for a payment abroad is made up of more than one component – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

Banks rarely list the margin on the rate as a cost – you only notice it if you compare. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

Money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares transfer providers side by side, showing what actually arrives for the same amount sent. Using a transfer service does not mean closing your account at Kazkommertsbank Tajikistan.