您打算汇款给居住在俄罗斯的朋友或家人吗？如果是这样，了解他们银行的 BIC/SWIFT 代码很重要。此代码是一系列数字和字母，用于标识特定银行并帮助确保您的资金到达预定目的地。
Are you planning to send money to a friend or family member living in Russia? If so, it’s important to know their bank’s BIC/SWIFT code. This code is a series of numbers and letters that identify a specific bank and help ensure that your money reaches its intended destination.
QIWI BANK 是一家俄罗斯股份制银行，15 年来一直致力于满足个人和企业的金融需求。它的 BIC/SWIFT 代码是 QIWI.RUMM。如果您要汇款给使用 QIWI 开户的人，请务必将此代码包含在您的国际转账说明中。
QIWI BANK is a Russian joint-stock bank that has been serving the financial needs of individuals and businesses for over 15 years. Its BIC/SWIFT code is QIWI.RUMM. If you’re sending money to someone who banks with QIWI, make sure to include this code in your international transfer instructions.
为什么 BIC/SWIFT 代码如此重要？将其视为银行的地址。就像您需要某人的家庭住址才能寄信一样，您需要 BIC/SWIFT 代码才能向特定银行汇款。
Why is the BIC/SWIFT code so important? Think of it as an address for a bank. Just as you need someone’s home address to mail a letter, you need the BIC/SWIFT code to send money to a specific bank.
SWIFT 代码对于银行之间的通信也至关重要。银行用它来交换有关转账、账户余额和其他重要细节的信息。如果没有 SWIFT 代码，转账可能会延迟，甚至可能会完全发送到错误的银行。
The SWIFT code is also crucial for communication between banks. Banks use it to exchange information about transfers, account balances, and other important details. Without the SWIFT code, the transfer could be delayed or even sent to the wrong bank entirely.
不过别担心，获取 BIC/SWIFT 代码相对简单。您通常可以在银行的网站上或联系他们的客户服务部门找到它。许多银行还在其报表或收据上打印代码。
But don’t worry, obtaining the BIC/SWIFT code is relatively straightforward. You can usually find it on the bank’s website or by contacting their customer service department. Many banks also print the code on their statements or receipts.
除了 QIWI BANK，所有银行都有自己独特的 BIC/SWIFT 代码。因此，如果您计划进行国际汇款，请务必获取收款人银行的正确代码。这将为您节省时间和麻烦，并有助于确保您的钱到达预定的收款人手中。
In addition to QIWI BANK, all banks have their own unique BIC/SWIFT codes. So, if you’re planning on sending money internationally, make sure to obtain the correct code for the recipient’s bank. This will save you time and hassle and help ensure your money reaches its intended recipient.
请记住，BIC/SWIFT 代码对于国际汇款至关重要。它就像您的钱的护照，没有它，您的汇款可能会延迟甚至丢失。因此，在向 QIWI BANK 或俄罗斯的任何其他银行汇款之前，请务必获取其 BIC/SWIFT 代码。
Remember, the BIC/SWIFT code is essential for international remittances. It’s like a passport for your money, and without it, your transfer may be delayed or even lost. So, before sending money to QIWI BANK or any other bank in Russia, make sure to obtain their BIC/SWIFT code.