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SWIFT transfers

SWIFT is a reliable way to transfer funds from account to account, pay for large purchases, services, trainings, treatment and etc. abroad.
SWIFT

SWIFT transfers

SWIFT is a reliable way to transfer funds from account to account, pay for large purchases, services, trainings, treatment and etc. abroad.
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Large selection of currencies
operated by the system
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High reliability
preservation of confidential information
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Widespread popularity
and spread in the world
Sending of a SWIFT transfer Receiving of SWIFT transfers

Purposes of transfers

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Buying a car
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Medical services
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Tuition fees
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Transfers to relatives, friends, and the like

How to make a SWIFT transfer

01
Step 1

Take the payee's account details for the SWIFT transfer. Requirements for details.

03
Step 3

Contact the bank branch manager and provide him with the details for sending the transfer and inform the purpose of sending the transfer.
Read more about the purpose here.

In case of exceeding the transfer amount limit (more about the limits here), provide supporting documents for the transfer.

02
Step 2

Open an account in PUMB to send a transfer/payment in the required currency: USD, EUR, PLN, GBP, RUB (if the account has not been opened yet). An account can be opened at a bank branch or using PUMB Online Internet bank. More details here.

04
Step 4

Check the details in the payment order; sign it and give it to the manager for further processing.

01
Step 1

Take the payee's account details for the SWIFT transfer. Requirements for details

02
Step 2

Open an account in PUMB to send a transfer/payment in the required currency: USD, EUR, PLN, GBP, RUB (if the account has not been opened yet). An account can be opened at a bank branch or using PUMB Online Internet bank. More details here.

03
Step 3

Contact the bank branch manager and provide him with the details for sending the transfer and inform the purpose of sending the transfer.
Read more about the purpose here.

In case of exceeding the transfer amount limit (more about the limits here), provide supporting documents for the transfer.

04
Step 4

Check the details in the payment order; sign it and give it to the manager for further processing.

Tariffs for sending SWIFT transferSWIFT

Account currency USD, EUR, PLN, GBP, RUB
Shipping fee 0.5%, min. - eq. 10 USD, max. - eq. 500 USD *
Commission for urgent transfer 150 UAH
*The commission of the correspondent bank (the list of correspondent banks here), in case of its payment by the sender, is paid in the additional 70 UAH for payments in USD RUB currencies; 250 UAH for payments in EUR, PLN; 900 UAH for payments in GBP.PLN; 900 UAH для платежів в валюті GBP.

SWIFT transfer limits

up to 400 000 uah
(equivalent)

on one business day or in the amount for the last 30 calendar days - is carried out WITHOUT the provision of supporting documents.

from 400 000 uah
(equivalent)

carried out with the provision of supporting documents on the origin of funds (more about these documents here ), upporting documents about the purpose of the transfer (more about these documents here) or within the E-limit (more about E-limits here)

Purposes of transfers

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Receiving a salary
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Receiving a transfer from relatives
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Receiving compensation and the like

How to receive a SWIFT transfer

01
Step 1

If necessary, open an account in PUMB in the required currency (USD, EUR, PLN, GBP, RUB). An account can be opened at a bank branch or using PUMB Online Internet bank (more details here)

03
Step 3

Provide details to the sender of funds.

02
Step 2

Get account details from a manager in a branch or using the web version of PUMB Online Internet bank.

04
Step 4

The bank will automatically credit funds to your account after receiving information about the availability of a transfer.

01
Step 1

За потреби, відкрийте рахунок у ПУМБ у потрібній валюті (USD, EUR, PLN, GBP, RUB). Рахунок можна відкрити у відділенні банку або через Інтернет-банк ПУМБ Online (детальніше тут).

02
Step 2

Get account details from a manager in a branch or using the web version of PUMB Online Internet bank

03
Step 3

Provide details to the sender of funds.

04
Step 4

Provide details to the sender of funds.

Tariffs for receiving a SWIFT transfer

Account currency USD, PLN, GBP, RUB EUR
Transfer crediting fee No fee “vseKARTA” package – 1% of the amount, min. – eq. 5 EUR + 30 UAH
“Black Platinum” package – 0.5% of the amount, min. – eq. 5 EUR
“Premiere” package – 0.3% of the amount, min. – eq. 5 EUR

Submit your application

Full name
Phone number
Sending/receiving
Region
City
Branch

We answer your questions

  • 1. What are the advantages of SWIFT transfers?

    - The system uses a wide range of currencies.

    - High reliability in preserving confidential information is ensured by a wide range of organizational and technical measures.

    - Widespread and popular in the world, it allows you to make payments to almost any country.

    - Tariffs are lower than other systems.

    2. Which countries cannot be sent a SWIFT transfer?

    The bank does not send funds to Iran and North Korea. It may also be refused to send a transfer to other countries if, when checking the details, it is established that this cannot be done (restrictions of the payee's country, negative information about the payee, restrictions within the framework of correspondent banks, etc.).

    3. Requirements for details of SWIFT transfers.

    Details for sending a SWIFT transfer must contain the following information:

    3.1. For transfers in USD, EUR, PLN, GBP currencies:

    - details of the payee's account: name/name of the payee, bank name, bank address, account in IBAN format, SWIFT code;

    - address of the payee;

    - purpose of payment;

    - details of the correspondent bank (there may be an additional request from the bank).

    3.2. For transfers in RUB currency:

    - payee bank details: bank name, bank address, correspondent account, BIC;

    - the name of the payee, TIN of the payee;

    - address of the payee;

    - purpose of payment;

    - details of the correspondent bank (there may be an additional request from the bank).

    4. How long will it take for the transfer to be delivered?

    The customer himself determines the urgency of the transfer. For urgent transfers, the duration of the operation can range from several minutes to 1 day (there is a separate fee for urgent transfers). The standard time for receiving a transfer is from 1 to 3 days (if the details are correct and complete).

    SWIFT transfers, like all other operations, are checked by banks for compliance with financial monitoring requirements, compliance with sanctions requirements, and therefore it is always important to provide complete and reliable information regarding the transfer and its participants in order to avoid possible questions from other banks and related delays in implementation transfers.

    5. What can be the purpose of sending a SWIFT transfer?

    - Payment for products, works, services, intellectual property rights that can be purchased from non-residents abroad for their own use.

    - Payment for the purchase, rental of vehicles (cars, yachts, etc.).

    - Payment for studying or internship in educational institutions of another state, the cost of conducting tests, exams, and the like.

    - Payment of expenses for the purchase of literature and prepaid publications published abroad.

    - Payments in case of going abroad for permanent residence.

    - Transfers for relatives.

    - Payment of expenses related to a business trip abroad.

    - Payment for participation in international symposia, seminars, conferences, congresses, exhibitions, fairs, cultural and sports events, as well as other international meetings that take place in the territories of foreign states.

    - Payment of entrance fees, membership fees to international organizations or other non-resident legal entities.

    - Payment of fees (duties) for actions related to the protection of intellectual property rights, including payment for services provided by patent offices of other countries and the services of patent attorneys abroad.

    - Payments in the form of interest on loans (borrowings).

    - Payments in the form of interest accrued on funds in current deposit accounts.

    - Payments in the form of dividends on corporate rights, interest income on securities, and other income (profits) on investment objects not related to their alienation, sale, liquidation, reduction of the authorized capital.

    - Payment by individuals for treatment in medical institutions in a foreign state, as well as payment of the costs of transporting patients for treatment abroad.

    - Payment of expenses related to the death of individuals abroad (transportation and burial expenses).

    - Payments related to acceptance of inheritance.

    - Transactions on payment of mandatory payments to foreign, judicial, investigative, arbitration, notarial, and other authorized bodies (in particular, payment of taxes, fees of other mandatory payments) in foreign countries, the costs of foreign lawyers in the event of the opening court or criminal cases abroad.

    - Payments are based on sentences, decisions, and orders of the judicial authorities, as well as investigative and other law enforcement agencies.

    - Other transfers within the framework of the law.

    6. What documents can confirm the purpose of sending a SWIFT transfer, and what should they contain?

    6.1. The list:

    - agreements (contracts), invoices;

    - letters of settlement or letters-messages of legal entities – non-residents, authorized bodies of foreign states, letters of lawyers or notaries of foreign states, statements of claim;

    - invitation, family relationship documents or their duly certified copies;

    - other supporting documents that are used in international practice.

    6.2. Supporting documents (except for documents on family relations) must contain the following details:

    - full name and location of the payee;

    - the name of the bank and the details of the account to which the funds are transferred;

    - the name of the currency and the amount to be paid;

    - purpose of payment.

    6.3. If supporting documents are drawn up in a foreign language, the bank is provided with their translation into Ukrainian, certified by a notary.

    7. What documents must be provided to confirm the sources of origin of funds for sending a SWIFT transfer?

    7.1. Information/documents on determining the financial condition of a customer – an individual:

    - declaration of property and income with a mark of the controlling body of Ukraine on its receipt;

    - information received by the customer in accordance with the procedure established by the legislation of the relevant state body on income received in the corresponding year and taxes paid on these incomes (for example, a certificate from the pension fund –OK-7 form);

    - tax declaration (declaration of income) marked with a mark of the controlling body of a foreign state on receipt (if any);

    - PUMB statement on the amount of wages received;

    - a certificate from an authorized bank of Ukraine, certified by a seal, on the amount of wages received.

    7.2. Information/documents confirming own financial capabilities, sources of origin of the person's own funds and other assets, availability, placement, and/or use of the customer's assets, which make it possible to conduct or initiate a financial transaction for an appropriate amount:

    - the real estate lease agreement is registered with the fiscal service (income for the current tax period is accepted);

    - contracts, notarized, from the sale of real estate, made no later than the last 3 years (if the requirements of the legislation on the implementation of non-cash payments in national currency are met, which are confirmed by an extract from the bank);

    - documents confirming the payment of dividends (protocol decision of the owners + financial statements of the legal entity and statutory documents);

    - an agreement on the provision of financial assistance/a loan received from a legal entity or an individual, subject to the provision of documents confirming the financial ability of a legal entity/individual to provide such assistance;

    - contracts of donation of material values, notarized;

    - notarized certificate of the right to inheritance (funds in current accounts, including deposits in another bank).

    7.3. Information/documents confirming the existence of economic feasibility (content) of such a financial transaction (for example, documents confirming the actual residence of the individual payee of funds in the country of receipt of the transfer).

    8. What are E-limits for conducting transactions by individuals?

    8.1. E-limit is an automated control of NBU limits of currency transactions. NBU provides a centralized collection of information on foreign exchange transactions of individuals, which must be carried out within limits. An individual is allowed to carry out foreign exchange transactions in foreign currency during a calendar year for a total amount of up to 200,000 euros inclusive (the equivalent of this amount in another foreign currency/hryvnia at the official rate of hryvnia to foreign currencies).

    8.2. What documents are required to carry out transactions within the E-limit?

    To carry out a currency transaction within the E-limit, individuals must submit the following documents:

    - an application for conducting a currency transaction and entering information into the AIS “E-limits”;

    - documents (statements) indicating that an individual has income in an amount sufficient to make a transfer;

    - documents confirming the purpose of the transfer outside Ukraine (agreement, invoice, and other documents). Documents confirming the purpose of the transfer are not provided in case of transfer to personal accounts;

    - documents confirming that the non-resident seller has ownership of the investment object (additional documents to be submitted in case of investment);

    - information/details about the ultimate beneficial owners/participants in the operation (additional documents to be submitted in case of investment).

    8.3. For what purposes can transfers be made within the E-limit?

    Individuals can carry out transactions in the amount of up to 200,000 euros per calendar year for the following purposes:

    - making investments abroad (in the form of creating legal entities abroad, acquiring corporate rights and securities of foreign issuers, property rights to real estate located outside Ukraine);

    - providing a loan to a non-resident (financial assistance that is returned);

    - placing funds on a personal account outside Ukraine;

    - fulfillment of obligations to a non-resident under life insurance agreements.

  • 1. What are the advantages of SWIFT transfers?

    - The system uses a wide range of currencies.

    High reliability in preserving confidential information is ensured by a wide range of organizational and technical measures.

    - Widespread and popular in the world, it allows you to make payments to almost any country.

    - Tariffs are lower than other systems.

    2. From which countries can not you receive a SWIFT transfer?

    The bank does not credit funds sent from Iran and North Korea.

    3. What could be the purpose of receiving a SWIFT transfer?

    - Remuneration of labor, payment of scholarships, pensions, alimony, state aid, material assistance, help from relatives, charitable and humanitarian aid, payments and compensations, including payment of compensation for damage caused to employees as a result of injury, occupational disease, or other health damage associated with performing their work duties, victims of political repression, victims of Nazi persecution, their families and heirs.

    - Indemnity for insured events.

    - Payments of bonuses, prizes.

    - Payment of inherited funds, funds under donation agreements.

    - Payment of royalties, bonuses, prizes, and other payments for the use of objects of intellectual property rights of individuals.

    - Other proceeds within the framework of the legislation.

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