SWIFT Code NVOARU21 — NIZHNEVOLZHSKY COMMERCIAL BANK, SARATOV

About SWIFT Code NVOARU21 — NIZHNEVOLZHSKY COMMERCIAL BANK, SARATOV

SWIFT code NVOARU21 is the official 8-character head-office BIC (Bank Identifier Code) for NIZHNEVOLZHSKY COMMERCIAL BANK in SARATOV, 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 NIZHNEVOLZHSKY COMMERCIAL BANK for all outward international remittances from SARATOV. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code NVOARU21

The code NVOARU21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code NVOARU21

Receiving International Wire Transfers

To receive money from abroad at your NIZHNEVOLZHSKY COMMERCIAL BANK account in SARATOV, share SWIFT code NVOARU21 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 NIZHNEVOLZHSKY COMMERCIAL BANK, SARATOV must provide SWIFT code NVOARU21. 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 NIZHNEVOLZHSKY COMMERCIAL BANK in SARATOV rely on SWIFT code NVOARU21 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 NIZHNEVOLZHSKY COMMERCIAL BANK →

For cheque clearing or NACH mandates, use the MICR code for NIZHNEVOLZHSKY COMMERCIAL BANK →

For TDS challan deposits, find the BSR code for NIZHNEVOLZHSKY COMMERCIAL BANK →

How SWIFT Code NVOARU21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code NVOARU21 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 NIZHNEVOLZHSKY COMMERCIAL BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: NIZHNEVOLZHSKY COMMERCIAL BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code NVOARU21

• Spaces or lowercase letters — Always enter NVOARU21 uppercase with no spaces.
• Using the wrong city — This code is for SARATOV 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 NVOARU21 directly with NIZHNEVOLZHSKY COMMERCIAL BANK's SARATOV branch or via the SWIFT BIC Directory.