When sending money to friends or family in Tajikistan through Eskhata Bank, the most crucial first step is correctly identifying the SWIFT/BIC code to prevent delays or misdirected funds. This comprehensive guide explains Eskhata Bank's SWIFT code system and provides professional cross-border transfer instructions.
Understanding Eskhata Bank's SWIFT/BIC Code System
Eskhata Bank's primary SWIFT/BIC code is EJSATJ22XXX . These international bank identifiers serve as financial "passports" for cross-border transactions. The 11-character code breaks down as follows:
- EJSATJ22: The bank code identifying Eskhata Bank
- XXX: Branch identifier (defaults to head office when unspecified)
While EJSATJ22XXX serves as the primary code, some branches or transaction types may require different identifiers. Always verify the exact code with recipients or bank representatives before initiating transfers.
When to Use EJSATJ22XXX
The EJSATJ22XXX code applies in these common scenarios:
- International wire transfers to Eskhata Bank accounts
- Transactions where specific branch codes aren't provided
- Payments processed through the bank's central operations
- General-purpose transfers when branch details are unknown
Essential Considerations for International Transfers
Successful cross-border transactions require attention to these critical elements:
- Recipient Details: Exact account holder name, account number, and address information
- Currency Selection: Matching the recipient's account currency avoids conversion fees
- Intermediary Banks: Potential additional fees from correspondent banks in the transfer chain
- Transfer Purpose: Clear payment descriptions facilitate compliance screening
- Amount Limits: Country-specific and bank-imposed transfer restrictions
- Fee Structures: Varying charges between sending institutions and transfer methods
Locating Branch-Specific SWIFT Codes
For optimal transfer efficiency, consider these methods to identify branch codes:
- Direct consultation with the recipient
- Official verification through Eskhata Bank's customer service
- Online SWIFT code directories (with verification from official sources)
About Eskhata Bank
As a leading Tajik financial institution, Eskhata Bank offers:
- Comprehensive personal and commercial banking services
- Extensive domestic branch network
- International financial partnerships facilitating cross-border transactions
Step-by-Step Transfer Example
Consider this scenario for sending $1,000 from the U.S. to Khujand, Tajikistan:
- Collect recipient's full banking details and confirm the SWIFT code
- Compare transfer options (bank wires, digital platforms, etc.)
- Complete the transfer form with verified information
- Review and pay applicable fees
- Obtain and monitor the transaction reference number
Frequently Asked Questions
What happens with incorrect SWIFT codes?
Transactions may fail, experience delays, or route to incorrect institutions.
Does EJSATJ22XXX work for all branches?
While generally effective, branch-specific codes ensure precision.
How long do transfers typically take?
Processing usually completes within 1-5 business days.
How can I minimize transfer fees?
Compare providers and select the most cost-effective channels.
Conclusion
Understanding SWIFT codes and international transfer protocols enables seamless transactions to Tajikistan. Always verify current banking information with recipients or financial institutions before initiating transfers.