Public Joint Stock Company 'state Savings Bank of Ukraine' SWIFT/BIC code

COSBUAUK – the SWIFT/BIC code of Public Joint Stock Company 'state Savings Bank of Ukraine'

The 8-character code COSBUAUK and the 11-character code COSBUAUKXXX refer to the same bank: Public Joint Stock Company 'state Savings Bank of Ukraine', with its head office in Kiev. A SWIFT code shows the banks handling a payment exactly which bank is meant to get the money. In practice you mostly see the code on invoices from abroad, in your banking app and on the account details that Public Joint Stock Company 'state Savings Bank of Ukraine' provides.

On this page we explain how the code is put together, when it matters and what else a transfer to or from Public Joint Stock Company 'state Savings Bank of Ukraine' requires. The SWIFT code on its own cannot identify an individual account holder; for that you need the account number or IBAN is for.

Choosing between the 26 SWIFT codes of Public Joint Stock Company 'state Savings Bank of Ukraine'

Having 26 codes, Public Joint Stock Company 'state Savings Bank of Ukraine' is one of the banks that use individual codes for parts of the organisation. The main code remains COSBUAUKXXX.

Usually there is no need to look up a branch: transfers addressed to COSBUAUKXXX are routed within Public Joint Stock Company 'state Savings Bank of Ukraine' correctly. When you receive a branch code, stick to it instead of swapping it for the head office code.

The safest route is to take the code straight from the recipient’s bank details. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a request saying that a supplier has a new bank account and that the next payment should go there. The fact that COSBUAUK exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details through a phone call, using a number you already had. Watch out for urgent requests, unusual wording or an email address that differs by one letter. If money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. A payment confirmation from the sender is no proof.

Sending money abroad from Public Joint Stock Company 'state Savings Bank of Ukraine'

When you send money to another country from Public Joint Stock Company 'state Savings Bank of Ukraine', the visible fee is only part of the cost. Besides the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency, the bank often applies a rate that is less favourable than the actual market rate.

Banks do not show their exchange rate markup separately. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. On GoldexPay we compare the amount that arrives with different providers. You can still keep your account at Public Joint Stock Company 'state Savings Bank of Ukraine', while a cheaper service handles the conversion.

Where our SWIFT data comes from

This directory is based on public sources. Even so, banks merge, rename themselves or change codes. Counts and locations are from our directory and may differ from what Public Joint Stock Company 'state Savings Bank of Ukraine' publishes.

Treat the information here as a helpful check. We are an independent comparison service for money transfers and not part of Public Joint Stock Company 'state Savings Bank of Ukraine'. If you notice a mistake, we welcome a message.

How to check COSBUAUK before you pay

The most reliable place for the right code remains a document from the bank itself, such as a statement or the account details in online banking. When the code you were given differs from COSBUAUK or COSBUAUKXXX, stop and ask – contact the recipient or Public Joint Stock Company 'state Savings Bank of Ukraine'.

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

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically. More and more banks compare the name against the account before you confirm. A small test payment is a sensible step for a large first payment despite the extra fee.

8 or 11 characters: COSBUAUK versus COSBUAUKXXX

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. Combined, these eight characters make up COSBUAUK, the code most people search for.

XXX at the end of COSBUAUKXXX is not a placeholder or a mistake: it stands for the head office of Public Joint Stock Company 'state Savings Bank of Ukraine'. Certain payment forms insist on 11 characters, and then you simply add XXX behind COSBUAUK.

In practice the code is written in capitals and without spaces. A wrong character can send the money to another bank, so check it twice.

Tracking a transfer to or from Public Joint Stock Company 'state Savings Bank of Ukraine'

How fast a transfer arrives at Public Joint Stock Company 'state Savings Bank of Ukraine' depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Transfers sent late in the day or on weekends and holidays usually go out a business day later. Extra checks by one of the banks may also add some delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

If the money does not arrive within the expected time, the person who paid should contact their own bank, not the receiving bank. Ask the sender for the payment receipt with the date and reference.

Getting paid from abroad into a Public Joint Stock Company 'state Savings Bank of Ukraine' account

For an international payment into your account at Public Joint Stock Company 'state Savings Bank of Ukraine', the sender has to have more than the SWIFT code. What they need is: the account holder’s name, IBAN or account number, COSBUAUKXXX or COSBUAUK and in many cases your home address.

Some banks also ask for the name and address of Public Joint Stock Company 'state Savings Bank of Ukraine'. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee, Public Joint Stock Company 'state Savings Bank of Ukraine' may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who covers the fees before the money is sent.