Instructions for payments in RUB

Effective 21 May 2021 INSTRUCTIONS FOR PAYMENTS IN RUBLES

1. Outgoing payments When entering a payment order in RUB to , it is necessary must be no spaces, hyphens, periods, colons, or other characters to enter the following information in the following fields of the between the “VO” and the numeric code, and the entire code payment order in Internet Banking, without which the payment must be in parentheses. cannot be successfully executed. Example: (VO10030) DOGOVOR NO. 379-1 IBAN/beneficiary’s account number: *) In the Sberbank Online application (new Internet Banking), the VO the account number always has 20 digits and starts with the code is entered in a separate field without round brackets number 4 (IBAN does not exist in Russia, i.e., the account number does not contain letters) In the Multicash application, the VO code is entered in the Payment Purpose field in the Payment Purpose tab. – if the payment in RUB is being made to a Russian other than Sberbank of Russia, the payment must be sent to the beneficiary’s account held in RUB, as the payment Name and address of the beneficiary’s bank: is sent through the . The benefi- The bank in Russia is uniquely identified by the bank routing ciary’s account is in RUB if the 6th and 7th digits are 81, code (called BIK), e.g., 40702810438000122890 The SWIFT (BIC) needn’t be entered on the 1st line: – BIK – the national identification code of the Russian bank BIC (SWIFT code of the beneficiary’s bank) (9 digits) followed by a slash and then the correspondent typically the letter code of the beneficiary’s bank, which does account number of the beneficiary’s bank at the Central not have to be filled in for RUB payments (important for send- Bank of Russia (20 digits beginning with 3) ing a payment in RUB is the BIK code – see below) the name of the bank itself (mandatory) and, where applicable, – e.g., the BIC (SWIFT) of Sberbank is: SABRRUMM its address are entered on the following lines. Example: BIK044525225/30101810400000000225 Name and address of the beneficiary: Sberbank Moscow The information provided in this field varies according to the type of beneficiary: When entering a payment order in RUB outside Russia, in ad- The beneficiary is a legal entity dition to the standard foreign payment details, it is necessary the 1st line states: to enter: – INN code – tax administration registration number (10–12 BIC (SWIFT code of the beneficiary’s bank) – in contrast to digits) the recommendation for payments in RUB to Russia (e.g., for – in the case of tax payments or payments to the state, it is payments to Raiffeisenbank a.s., the BIC is: RZBCCZPP) also necessary to include the KPP code, i.e., the special code Information for beneficiary – enter the VO code in the same for tax administration concerning the reason for registra- format as for payments in RUB to Russia and its verbal de- tion (9 digits) scription (see Information for beneficiary for payments in RUB the beneficiary’s actual name is entered on line 2; the legal form to Russia) is entered before the name of the beneficiary Name and address of the beneficiary’s bank – information is Example: INN123756123412 KPP123456789 entered here concerning the beneficiary’s bank plus informa- OOO CLARIMA tion on the beneficiary’s correspondent bank The beneficiary is a private individual operating a business a) the name of the beneficiary’s bank b) the beneficiary’s bank account number at the corre- the 1st line states: spondent bank – INN code – tax administration registration number (10–12 c) BIC (SWIFT) of the Russian correspondent digits) d) the BIK of the Russian correspondent and its account on line 2, the beneficiary’s own name is entered – first name + number with the Central Bank of Russia patronym for residents (does not apply to non-residents) + Example for payments e.g., to Raiffeisenbank a.s.: surname; the legal form is again entered before the beneficiary’s a) Raiffeisenbank a.s. name b) 30111810100000100015 Example: INN123456789123 c) RZBMRUMM IP Irina Aleksandrovna Lapaeva d) BIK044525700/30101810200000000700 The beneficiary is a private individual the 1st line states: Note: – first name + patronym for a resident (does not apply to Payments of taxes or payments to the state require additional non-residents) + surname mandatory instructions, which the client receives from the counterparty and enters in the “Information for the bank” field Example: Nadezhda Valerevna Kiseleva (in this case it is not an unauthorized use of the field, i.e., an The following blank lines are for entering the beneficiary’s ad- extra fee will not be charged). dress, if necessary. Important information: Information for beneficiary: *) The client obtains the necessary data for the correct completion VO code (5 digits) – Russian payment title followed by a verbal of the payment order from their trading partner – the benefi- description of the purpose/subject of the payment in Russian ciary. with transcription into Roman script (not Cyrillic) or in English The list of VO Codes can be found on the bank’s website in the (not Czech). Must be entered in the format (VOXXXXX). There Other Documents/Payments section.

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If any of the data is missing in the payment order, Sberbank CZ The data in the Name and address of the beneficiary field must will require the client to fill in the data/details, and for this reason, match the name of the account registered at the relevant the payment may be delayed. Russian bank. Please note that there are often multiple trans- In the case of incorrect data identified by the correspondent literations of the beneficiary’s name from Cyrillic to Roman bank or the beneficiary’s bank, the payment will be claimed or script. We therefore recommend that you request the benefi- returned without a claim. ciary to indicate the only recognised transliteration in Roman script provided to them by their bank.

2. Incoming payments In order to receive payments in RUB from Russia or the , our client must also provide the following information to the payer:

Bank of Beneficiary Sberbank CZ, a.s. BIC/SWIFT: VBOECZ2XXXX Correspondent Bank of BEN Bank (correspondent bank of the beneficiary’s bank) Sberbank of Russia BIC/SWIFT: SABRRUMM012 BIK Code of Correspondent Bank (BIK Code of Correspondent Bank – Russian Clearing Code) 044525225 Correspondent Account of Sberbank of Russia with the Central Bank of Russia 30101810400000000225 Correspondent Account of Sberbank CZ with Sberbank of Russia 30111810700000000827

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