SWIFT Code STKZGR21 — CO-OPERATIVE BANK OF WESTERN MACEDONIA, KOZANI

About SWIFT Code STKZGR21 — CO-OPERATIVE BANK OF WESTERN MACEDONIA, KOZANI

SWIFT code STKZGR21 is the official 8-character head-office BIC (Bank Identifier Code) for CO-OPERATIVE BANK OF WESTERN MACEDONIA in KOZANI, Greece. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by CO-OPERATIVE BANK OF WESTERN MACEDONIA for all outward international remittances from KOZANI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code STKZGR21

The code STKZGR21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code STKZGR21

Receiving International Wire Transfers

To receive money from abroad at your CO-OPERATIVE BANK OF WESTERN MACEDONIA account in KOZANI, share SWIFT code STKZGR21 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at CO-OPERATIVE BANK OF WESTERN MACEDONIA, KOZANI must provide SWIFT code STKZGR21. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using CO-OPERATIVE BANK OF WESTERN MACEDONIA in KOZANI rely on SWIFT code STKZGR21 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for CO-OPERATIVE BANK OF WESTERN MACEDONIA →

For cheque clearing or NACH mandates, use the MICR code for CO-OPERATIVE BANK OF WESTERN MACEDONIA →

For TDS challan deposits, find the BSR code for CO-OPERATIVE BANK OF WESTERN MACEDONIA →

How SWIFT Code STKZGR21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code STKZGR21 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to CO-OPERATIVE BANK OF WESTERN MACEDONIA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CO-OPERATIVE BANK OF WESTERN MACEDONIA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code STKZGR21

• Spaces or lowercase letters — Always enter STKZGR21 uppercase with no spaces.
• Using the wrong city — This code is for KOZANI only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Greece.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm STKZGR21 directly with CO-OPERATIVE BANK OF WESTERN MACEDONIA's KOZANI branch or via the SWIFT BIC Directory.