When preparing to send money to family or friends in Tajikistan through Eskhata Bank, the process can seem daunting, especially when confronted with complex banking codes. This guide explains the bank's SWIFT/BIC code system to facilitate smooth cross-border transactions.
Eskhata Bank's SWIFT/BIC Code: The Essential Identifier
For international money transfers, the SWIFT/BIC code serves as a bank's unique identifier, ensuring funds reach the correct financial institution. Eskhata Bank's primary SWIFT/BIC code is EJSATJ22XXX . This code is fundamental when:
- Transferring funds to any Eskhata Bank account in Tajikistan
- The recipient hasn't provided a specific branch code
- The sending bank processes payments through Eskhata's main office
- You require a universally recognized default code
Decoding the Structure: EJSATJ22XXX Explained
The SWIFT/BIC code's composition reveals important information:
- EJSATJ : The bank's unique identifier
- 22 : Tajikistan's country code
- XXX : Typically denotes the main office; may vary for specific branches
Key Bank Information
- Bank Name: ESKHATA BANK OPENED JOINT STOCK COMPANY
- SWIFT Code: EJSATJ22XXX
- Address: GAGARIN 135
- City: KHUJAND
- Country: TAJIKISTAN
Important Considerations About Branch Codes
While EJSATJ22XXX serves as the primary code, different Eskhata Bank branches may use distinct SWIFT/BIC codes. To prevent transfer delays or additional fees, always verify the recipient's specific branch code before initiating a transaction.
When Branch-Specific Codes Are Necessary
Use a branch-specific SWIFT/BIC code when the recipient provides one. The default code (EJSATJ22XXX) should only be used when no branch code is available or when uncertain which code applies.
Locating Branch-Specific Codes
To find the correct branch code:
- Request the code directly from the recipient, who can obtain it from their branch
- Contact Eskhata Bank through official channels for verification
Additional Cross-Border Transfer Considerations
Beyond SWIFT/BIC codes, successful international transfers require attention to:
- Exact matching of recipient names and account numbers
- Accurate transfer amounts and currency specifications
- Understanding applicable fees and exchange rates
- Accounting for standard processing times (typically several business days)
- Compliance with relevant financial regulations in both countries
Conclusion
This comprehensive overview of Eskhata Bank's SWIFT/BIC system provides the necessary knowledge for executing international transfers. Remember that while EJSATJ22XXX functions as the primary identifier, confirming branch-specific codes with recipients ensures efficient, secure transactions.