Marfin Bank SWIFT/BIC code

MTBAUA2D – the SWIFT/BIC code of Marfin Bank

The 8-character code MTBAUA2D and the 11-character code MTBAUA2DXXX refer to the same bank: Marfin Bank, with its head office in Odessa. Banks worldwide use these codes to direct payments between countries to the correct bank. You will need it mainly when dealing with payments that cross a border and payments in foreign currencies.

Further down we go through the practical side: money coming in from abroad, paying someone in another country and how to check the code before you hit send. Keep in mind that the BIC just identifies the bank, not the account: the IBAN or account number does that part.

How long does an international transfer to Marfin Bank take?

How fast a transfer arrives at Marfin Bank depends on a few things: the currency, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on weekends and holidays usually go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, contact the sending bank for the tracking status. Money transfer services often show tracking online so you can see how far the payment is.

The bank that sent the money can request a trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation.

How up to date is this code?

The directory on GoldexPay draws on publicly available sources and we update it periodically. Still, banks merge or change codes, so information can be out of date. Counts and locations are from our own dataset and may differ from what Marfin Bank publishes.

See our directory on this page as a helpful check and rely on the recipient or Marfin Bank for the final confirmation. We are a comparison service and not affiliated with Marfin Bank. If you notice something that is out of date, we appreciate a message via the contact page.

Sending money abroad from Marfin Bank

The price of a payment abroad has more than one component. There is the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. Next time you send money, it is worth comparing what arrives on GoldexPay. Using a transfer service does not require leaving Marfin Bank: you simply pay the service from your account.

Protect yourself against fake payment requests

A common scam goes like this: you receive a request claiming that a contact now has new bank details and that the next payment should go there. The fact that MTBAUA2D exists is no guarantee that the account is legitimate.

Before paying, verify changed bank details through a phone call, using a number you already had. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and ask them to start a recall and report the fraud.

Fraud can also target the receiver: someone claims to have sent more than agreed and wants you to refund the difference. A payment confirmation from the sender is no proof.

Getting paid from abroad into a Marfin Bank account

When you are waiting for a payment from another country, send the payer a complete set of details. That means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code MTBAUA2DXXX (or MTBAUA2D) and usually your address.

The sender’s bank might also ask for the bank address of Marfin Bank; the head office in Odessa is usually fine. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always arrive for the full amount. Charges on incoming payments vary per bank. On invoices, you can agree who bears the costs, so that nobody is left short.

Which of the 4 codes of Marfin Bank do you need?

We have 4 SWIFT/BIC codes for Marfin Bank in 4 cities. Besides the head office code MTBAUA2DXXX, there are codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use MTBAUA2DXXX. Just use a branch code when the account holder gives you that exact code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

8 or 11 characters: MTBAUA2D versus MTBAUA2DXXX

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, sometimes followed by a branch code. In this case, the 8-character core is MTBAUA2D.

Most payment forms accept either length. If a form requires eleven characters, use MTBAUA2DXXX, otherwise MTBAUA2D is fine.

As a rule the code is typed in capitals, without spaces or dashes. Look out for the letter O and the digit 0 and I versus 1; they are easy to mix up.

Verifying the SWIFT code of Marfin Bank

Have the recipient send you their account details straight from a recent statement. If the code you have does not match MTBAUA2D or MTBAUA2DXXX, do not guess – contact the recipient or Marfin Bank.

A wrong SWIFT code may lead to a delay, a payment being sent back or additional charges for investigation. A mistake in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

Most online banking apps validate the format of IBANs, but that does not prove the account belongs to the right person. Some banks now compare the payee name with the account before you confirm; take any warning seriously. When you pay someone new, some people send a small test amount and wait for confirmation.