SWIFT Code KAOORU3C — OPEN JOINT STOCK COMPANY 'SAUBER BANK', CHERKESSK

About SWIFT Code KAOORU3C — OPEN JOINT STOCK COMPANY 'SAUBER BANK', CHERKESSK

SWIFT code KAOORU3C is the official 8-character head-office BIC (Bank Identifier Code) for OPEN JOINT STOCK COMPANY 'SAUBER BANK' in CHERKESSK, 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 OPEN JOINT STOCK COMPANY 'SAUBER BANK' for all outward international remittances from CHERKESSK. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code KAOORU3C

The code KAOORU3C follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code KAOORU3C

Receiving International Wire Transfers

To receive money from abroad at your OPEN JOINT STOCK COMPANY 'SAUBER BANK' account in CHERKESSK, share SWIFT code KAOORU3C 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 OPEN JOINT STOCK COMPANY 'SAUBER BANK', CHERKESSK must provide SWIFT code KAOORU3C. 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 OPEN JOINT STOCK COMPANY 'SAUBER BANK' in CHERKESSK rely on SWIFT code KAOORU3C 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 OPEN JOINT STOCK COMPANY 'SAUBER BANK' →

For cheque clearing or NACH mandates, use the MICR code for OPEN JOINT STOCK COMPANY 'SAUBER BANK' →

For TDS challan deposits, find the BSR code for OPEN JOINT STOCK COMPANY 'SAUBER BANK' →

How SWIFT Code KAOORU3C Routes an International Transfer

1. Initiation: The sender provides SWIFT code KAOORU3C 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 OPEN JOINT STOCK COMPANY 'SAUBER BANK'.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: OPEN JOINT STOCK COMPANY 'SAUBER BANK' receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code KAOORU3C

• Spaces or lowercase letters — Always enter KAOORU3C uppercase with no spaces.
• Using the wrong city — This code is for CHERKESSK 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 KAOORU3C directly with OPEN JOINT STOCK COMPANY 'SAUBER BANK''s CHERKESSK branch or via the SWIFT BIC Directory.