SWIFT Code MSCJRU21 — MURMANSK SOCIAL COMMERCIAL BANK OAO, MURMANSK

About SWIFT Code MSCJRU21 — MURMANSK SOCIAL COMMERCIAL BANK OAO, MURMANSK

SWIFT code MSCJRU21 is the official 8-character head-office BIC (Bank Identifier Code) for MURMANSK SOCIAL COMMERCIAL BANK OAO in MURMANSK, Russia. 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 MURMANSK SOCIAL COMMERCIAL BANK OAO for all outward international remittances from MURMANSK. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code MSCJRU21

The code MSCJRU21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code MSCJRU21

Receiving International Wire Transfers

To receive money from abroad at your MURMANSK SOCIAL COMMERCIAL BANK OAO account in MURMANSK, share SWIFT code MSCJRU21 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 MURMANSK SOCIAL COMMERCIAL BANK OAO, MURMANSK must provide SWIFT code MSCJRU21. 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 MURMANSK SOCIAL COMMERCIAL BANK OAO in MURMANSK rely on SWIFT code MSCJRU21 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 MURMANSK SOCIAL COMMERCIAL BANK OAO →

For cheque clearing or NACH mandates, use the MICR code for MURMANSK SOCIAL COMMERCIAL BANK OAO →

For TDS challan deposits, find the BSR code for MURMANSK SOCIAL COMMERCIAL BANK OAO →

How SWIFT Code MSCJRU21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code MSCJRU21 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 MURMANSK SOCIAL COMMERCIAL BANK OAO.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: MURMANSK SOCIAL COMMERCIAL BANK OAO receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code MSCJRU21

• Spaces or lowercase letters — Always enter MSCJRU21 uppercase with no spaces.
• Using the wrong city — This code is for MURMANSK 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 Russia.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm MSCJRU21 directly with MURMANSK SOCIAL COMMERCIAL BANK OAO's MURMANSK branch or via the SWIFT BIC Directory.