PJSC 'express-Bank' SWIFT/BIC code

SWIFT/BIC code of PJSC 'express-Bank'

The short code EXPBUAUK and the 11-character code EXPBUAUKXXX refer to the same bank: PJSC 'express-Bank' in Kiev, Ukraine. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, a bit like a postal address for banks. You will need it mostly for transfers between countries and payments in foreign currencies.

We wrote this page to help anyone who receives money at an account at PJSC 'express-Bank' without mistakes. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

How to check EXPBUAUK before you pay

Ask the recipient to send you the account details directly from their online banking. If the code you have differs from EXPBUAUK or EXPBUAUKXXX, do not guess: check with the recipient or with PJSC 'express-Bank' directly.

An incorrect BIC may lead to delays, a returned payment or extra fees for investigation. Remember the IBAN: an error there is more difficult to correct than a wrong code.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. When you pay someone new, some people start with a small test amount.

A note on our data

We gather bank codes using public sources and check them from time to time. It is possible that a code on this page is no longer current. The figures we show reflect our own data, not official figures from PJSC 'express-Bank'.

For any payment that matters, always check the code with PJSC 'express-Bank' or the recipient. GoldexPay has no connection to PJSC 'express-Bank', we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

Why PJSC 'express-Bank' has an 8- and an 11-character code

The layout of every SWIFT code never changes: 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, that core is EXPBUAUK.

XXX at the end of EXPBUAUKXXX is not a missing value or an error: it stands for the head office of PJSC 'express-Bank'. Some banking apps ask for 11 characters, in which case you simply add XXX after EXPBUAUK.

Leave out spaces when you enter EXPBUAUK; the code is always written in one block. Pasting the code beats retyping it, because one wrong letter changes the bank.

Head office or branch code at PJSC 'express-Bank'?

Having 6 codes in 6 locations, PJSC 'express-Bank' belongs to the banks that use individual codes for branches and departments. The head office code remains EXPBUAUKXXX.

In most cases you do not need to pick a branch: payments sent to EXPBUAUKXXX are routed within PJSC 'express-Bank' without problems. When you receive a specific code, use it as it is rather than replacing it with the head office code.

Unsure which code applies? Ask the recipient. Branch codes are more prone to be retired than EXPBUAUKXXX when a bank merges or closes offices.

Getting paid from abroad into a PJSC 'express-Bank' account

When you are waiting for a payment from another country, send the payer a complete set of details. Share the account holder’s name, your account number or IBAN, SWIFT code EXPBUAUKXXX and your address, which some banks require.

It helps to add the bank name and Kiev as well, since some forms ask for it. Double-check every detail before you share them.

Do not be surprised if the amount credited is smaller than the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank – the price list of PJSC 'express-Bank' tells you what applies. For business payments, it is common to agree how the fees are split to avoid a shortfall.

What a transfer from PJSC 'express-Bank' abroad really costs

When you transfer money abroad via PJSC 'express-Bank', the fee you see is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services frequently use rates closer to the mid-market rate. Next time you send money, it is worth to compare the total cost via GoldexPay instead of going straight to your bank. Using a transfer service does not mean closing your account at PJSC 'express-Bank': you simply pay the service from your account.

When will the money arrive at PJSC 'express-Bank'?

An international transfer typically needs anywhere from one to several business days. Bank holidays in the sending or receiving country can add a day or more to the journey. Extra checks on larger or unusual payments can also cause some delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services often provide a status online showing where the money has got.

If a payment has not arrived within the expected time, the sender should contact their own bank rather than PJSC 'express-Bank'. On the receiving end, you can check your account for a slightly lower amount.

Watch out for payment fraud

Fraudsters often send fake invoices containing new bank details, sometimes in an email that looks completely genuine. A real SWIFT code says nothing about who owns the account.

Check new bank details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If a payment was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also target the receiver. Someone claims to have sent too much and wants you to return the extra. Do not act before the money has really arrived and check with PJSC 'express-Bank' if anything seems off.