Joint-Stock Commercial Bank Turonbank SWIFT/BIC code

What TUROUZ22 means for a payment to Joint-Stock Commercial Bank Turonbank

TUROUZ22 and TUROUZ22XXX are the short and the long form of the same SWIFT/BIC code, and both point to Joint-Stock Commercial Bank Turonbank in Tashkent. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. You will need it mostly for payments that cross a border.

On this page we explain what the code is put together, when you need it and which other details a transfer to or from Joint-Stock Commercial Bank Turonbank requires. The BIC identifies a bank or branch, never a single account; the IBAN or account number does that.

Choosing between the 18 SWIFT codes of Joint-Stock Commercial Bank Turonbank

Our directory lists 18 SWIFT/BIC codes for Joint-Stock Commercial Bank Turonbank. Besides the head office code TUROUZ22XXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code TUROUZ22XXX is what you need. When you receive a specific code, stick to it instead of replacing it for the head office code.

The best way is to copy the code straight from the account holder’s bank details. Branch codes can change over time, so do not rely on old paperwork.

What to give a sender who pays you at Joint-Stock Commercial Bank Turonbank

For a transfer from abroad into your account at Joint-Stock Commercial Bank Turonbank, the sender needs not just the SWIFT code. The basics are: your name, account number or IBAN, TUROUZ22XXX or TUROUZ22 and, for some countries, your home address.

It helps to include Joint-Stock Commercial Bank Turonbank and Tashkent too, because some payment forms have separate fields for them. Check the details before you share them.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers differ from bank to bank; check the price list of Joint-Stock Commercial Bank Turonbank. On invoices, you can agree how the fees are split.

A note on our data

We gather SWIFT/BIC codes from public sources and check them regularly. Banks merge, close branches and retire codes – a directory can be a step behind. The number of codes we show reflect our own data, not official figures from Joint-Stock Commercial Bank Turonbank.

Before a payment of any size, always check the BIC with the recipient’s bank or the recipient. We are an independent comparison service for money transfers and not part of Joint-Stock Commercial Bank Turonbank. Should you notice something that is out of date, we appreciate a message.

How to check TUROUZ22 before you pay

Have the recipient send you their bank details directly from their online banking. Compare that code with TUROUZ22 on this page; if they differ, ask before you pay.

If the code is wrong, the payment might be delayed, bounce back or cost extra, and tracing it can take weeks. An error in the IBAN or account number is more serious, because the money may be credited to someone else.

An automatic check in your banking app only tells you that the IBAN exists. Where available, a name check on the recipient adds an extra layer of safety. When you pay someone new, some people start with a small test amount before sending the rest.

What a transfer from Joint-Stock Commercial Bank Turonbank abroad really costs

An international bank payment costs more than the fee suggests. On top of the transfer fee, banks in between can deduct a fee, and when currencies are converted the bank often applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the largest item because it is hidden in the rate. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets. You can still use your account at Joint-Stock Commercial Bank Turonbank to fund the transfer.

Why Joint-Stock Commercial Bank Turonbank has an 8- and an 11-character code

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. The result is TUROUZ22, the short form of the code.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

Enter the code as one block, in capitals and without separators. A wrong letter may route the money to another bank, so check it twice.

Scams that use SWIFT codes

One of the most common tricks works like this: an email arrives with a request claiming that a company now has new bank details and that the next payment should go there. The fact that TUROUZ22 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details by phone. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also work the other way. Someone claims to have sent too much and wants you to refund the extra to a new account. A payment confirmation from the sender is no proof – check your own account.

When will the money arrive at Joint-Stock Commercial Bank Turonbank?

How fast a transfer reaches Joint-Stock Commercial Bank Turonbank depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Extra checks on larger or unusual payments can also cause some delay, regardless of the details.

If a transfer seems late, contact your bank about the tracking status and the transaction reference. Money transfer services often provide a status in their app so you can see how far the money is.

If the money does not arrive after a few business days, the person who paid should contact their own bank. As a recipient, it helps to look at your account to see a slightly lower amount because fees can reduce the amount.