SWIFT Code UNIMRUM1STV — UNIASTRUM BANK, STAVROPOL

About SWIFT Code UNIMRUM1STV — UNIASTRUM BANK, STAVROPOL

SWIFT code UNIMRUM1STV is the official 11-character branch-specific BIC (Bank Identifier Code) for UNIASTRUM BANK in STAVROPOL, 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 UNIASTRUM BANK for all outward international remittances from STAVROPOL. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code UNIMRUM1STV

The code UNIMRUM1STV follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code UNIMRUM1STV

Receiving International Wire Transfers

To receive money from abroad at your UNIASTRUM BANK account in STAVROPOL, share SWIFT code UNIMRUM1STV 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 UNIASTRUM BANK, STAVROPOL must provide SWIFT code UNIMRUM1STV. 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 UNIASTRUM BANK in STAVROPOL rely on SWIFT code UNIMRUM1STV 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 UNIASTRUM BANK →

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

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

How SWIFT Code UNIMRUM1STV Routes an International Transfer

1. Initiation: The sender provides SWIFT code UNIMRUM1STV 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 UNIASTRUM BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: UNIASTRUM BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code UNIMRUM1STV

• Spaces or lowercase letters — Always enter UNIMRUM1STV uppercase with no spaces.
• Using the wrong city — This code is for STAVROPOL 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 UNIMRUM1STV directly with UNIASTRUM BANK's STAVROPOL branch or via the SWIFT BIC Directory.